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I Can't Believe I Have to Defeat the Demon Lord to Pay Off My Student Loans (A LitRPG Portal Fantasy Adventure)

I Can't Believe I Have to Defeat the Demon Lord to Pay Off My Student Loans (A LitRPG Portal Fantasy Adventure)

by GoblinWrangler

Portal Fantasy / IsekaiContemporaryActionAdventureFantasyLow FantasyLitRPGPortal Fantasy / IsekaiProgressionMale LeadContemporary
Rising Stars:Contemporary #4Action #50Adventure #50Fantasy #50All #50
Shadow rank ~51–55 in Action

MercSecure will pay off your student loans. All of them. In less than six months. All you have to do is sign the contract, take the elevator, and survive the Rift—a monster-filled realm with a stat system that tracks every kill, loot drops with backstories written by a brainrot AI desperate to keep you entertained, and a floating fortress ruled by the Demon Lord. Who isn't the enemy. He's the contractor's most valuable partner. Dylan Ryan owes $447,000 in student debt he inherited from his dead parents at age eleven. He signed without reading. So did his best friend Rosaria. So did Lauren from HR, who once wrote him up for being late and is now holding a plastic wand that shoots fire. They're given weapons they don't know how to use and assignments they can hardly fathom. Week one is a tutorial. Week two, the missions change. Armed with a trash-tier build, a team held together by gallows humor, and the kind of desperation only six figures of inherited debt can buy, Dylan has one goal: claw his way back to zero. Because in this economy, being broke isn't just brutal—it's fatal. What to expect: *Portal Fantasy LitRPG with stat progression, loot, and a brainrot system *Party-based combat and found-family dynamics *Dark humor that gets darker as the missions escalate *Corporate dystopia that runs on debt, drones, and performance reviews *No harem. Character-driven.  *Daily chapters at 4:47PM EST, 30+ ahead on Patreon

View on Royal RoadEvolutionPatreonSet Alert
Changes shown for: last 30d
24h7d30d90dAll
Current Rank
#50
Peak Rank
#1
Followers
446
+184
Story Timeline

Started

1mo ago

Entered Contemporary RS

1mo ago

#1 Contemporary

1mo ago

Entered Action RS

3w ago

#40 Action

3w ago

Entered Fantasy RS

3w ago

#48 Fantasy

3w ago

Entered Adventure RS

3w ago

#50 Adventure

3w ago

Left Fantasy RS

3w ago

Left Adventure RS

3w ago

Left Action RS

3w ago

OverviewEngagementProseChapters
Favorites
88
+30
FVR
1.24%
Rating
4.31
Ratings
24
+11
Reviews
2
0
Comments
N/A
0
RS Days
93
Total Chapters
56
Total Words
0
Avg Length
0
Analyzed
0
Chapter Analysis
Word counts and prose metrics for each chapter
#TitleWordsFK GradeDialogueSSPVariation
1Chapter One: Debt-to-Income Ratio0----
2Chapter Two: Congratulations, You Now Have Security Clearance0----
3Chapter Three: Equip Now or Die Later0----
4Chapter Four: Welcome to the Rift0----
5Chapter Five: Obviously, Don’t Go Around Stabbing Yourself in the Stomach0---
-
6Chapter Six: Level Zero0----
7Chapter Seven: Somebody, Sloth Me0----
8Chapter Eight: I Did Not Sign Up for This0----
9Chapter Nine: Haunted Jukebox Incident0----
10Chapter Ten: Pay to Play0----
11GRANT Terminal Session 1 : Embrace Your Optimized Potential0----
12Chapter Eleven: What Are You in For?0----
13Chapter Twelve: Meal Team Six0----
14Chapter Thirteen: No Wi-Fi in the Rift0----
15Chapter Fourteen: Hammer Time0----
16Chapter Fifteen: FML0----
17Chapter Sixteen: Zombie Punch0----
18Chapter Seventeen: Belly Flop0----
19Chapter Eighteen: We Really Need a Healer0----
20Chapter Nineteen: Meat, Tomato, and Noodles0----
21Chapter Twenty: Bridge Over Troubled Waters0----
22Chapter Twenty-One: I Will Not Be Warmed!0----
23Chapter Twenty-Two: Pouches0----
24Chapter Twenty-Three: The Roots Are on Fire0----
25Chapter Twenty-Four: Consanguineous Loot0----
26Chapter Twenty-Five: Let Them Eat Cake0----
27Pizza Party Pamphlet0----
28Chapter Twenty-Six: Pets Get Euthanized0----
29Chapter Twenty-Seven: A Fireside with Kalex Harp: Data, Destiny, and the Death of Choice0----
30Chapter Twenty-Eight: Keep Austin Weird 0----
31Chapter Twenty-Nine: War Crimes for Breakfast0----
32Chapter Thirty: Occam’s Snake0----
33Chapter Thirty-One: Frostbite0----
34GRANT Terminal Session 3 : Wow, Still Alive? Bold Choice0----
35Chapter Thirty-Three: Set Up for Success0----
36Chapter Thirty-Four: Eff the System0----
37Chapter Thirty-Five: Fungal Dungeon Seems Like a Tuesday Thing to Me0----
38Chapter Thirty-Six: Mating Season0----
39GRANT Terminal Session 4 : Maybe You Aren’t as Suck as I Think You Are0----
40Chapter Thirty-Seven : Miyajima0----
41Chapter Thirty-Eight: The Gifts We Give Kings0----
42Chapter Thirty-Nine: Assassin Cosplay0----
43Chapter Forty: Agent Sarah and the Hallucinating Witches0----
44Chapter Forty-One: Sound Work0----
45Chapter Forty-Two: Divide and Conquer0----
46GRANT Terminal Session 2 : Please Select Your Flavor of Failure0----
47Chapter Forty-Three: Late for Class0----
48Chapter Forty-Four: One Wild Ride0----
49Chapter Forty-Five: I’m Too Young to Die in Some Other Realm 0----
50Chapter Forty-Six: Feed the Beast0----
51Chapter Forty-Seven: Another Day, Another Dollar0----
52Chapter Forty-Eight: Prairie Dogs from Hell0----
53Chapter Forty-Nine: Playing the Victim0----
54Chapter Fifty: Flaming Chokepoint0----
55GRANT Terminal Session 5 : Congratulations, You’ve Leveled Mediocrity!0----
56Chapter Fifty-One: Princess Basilisk0----