MTL - The Twelve Zodiac Guardian Gods - Chapter 19 Teacher Wen Wei (below)

Behold the epic tale of Archer, a boy who had long yearned for the love of Alexa, the girl of his dreams. Just as he finally won her heart, tragedy struck, and he was torn from the familiar world of Earth and cast into a new and wondrous world.

Lost and alone in this strange land, Archer soon discovered that it was teeming with magic, adventure, and danger. With his mysterious and potent magical abilities, he set out on a quest to carve out a name for himself and make his mark on this world.

His journey was fraught with peril and uncertainty, but he remained steadfast and resolute, knowing that the rewards would be great if he persevered. As he roamed through the wilds and cities of this new world, he encountered many powerful and alluring women, each with her own unique talents and quests.

Some became his trusted allies, while others sought to thwart his ambitions and claim his life. But Archer was undaunted, and he learned many skills and mastered the mana of the world, facing off against fearsome beasts, treacherous foes, and cunning rulers.

Join Archer as he embarks on a legendary journey that will change the world.

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Mortimer Zhu is an extremely unfortunate high school student who accidentally enrolls into an academy of a dubious nature, where it is the norm to jump in front of moving trains, get dismembered during orientation, and crushed by vindictive bouncing classrooms. Can he stay alive or will he die from the rigors of school? Why have evil spirits suddenly acquired a taste for his flesh?

- Description from Novelupdates

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.