The Fake Heiress: Swapping Lives and Inheriting Millions in Debt

Chapter 2

3,903 words

One month into the semester, the money I earned from my summer jobs was completely gone.

I opened a credit card.

Two months in, the credit card limit was maxed out.

I started taking out online loans.

Three months in, I woke up to find myself in Lucy's dorm room.

I knew I had succeeded.

Using a fabricated wealthy family background and luxury goods bought with loans, I had gotten Lucy to use the system on me.

From now on, I was Lucy.

And she had become Emma.

As class time approached, my roommate Lily was getting ready to leave. Seeing I was still in bed, she asked curiously: "Lucy, weren't you supposed to save a seat for Emma today? Won't she be angry if you're late?"

"Let her be angry, I've had enough."

Now that I had become Lucy, the first step was successful. No need to keep acting like a sycophant.

I slept until noon, and by the time I returned to the classroom after lunch, the afternoon classes were about to start.

"Emma" was standing at the classroom door, looking at me with hostility: "Lucy, you said you'd save me a seat. Where did you go? You made me late and the teacher scolded me."

I pretended to be angry and grabbed her collar.

"What did you do to me? Why did I become you?"

She leaned in close to my ear, deliberately lowering her voice.

"I don't know what you're talking about. What do you mean, my little follower?"

"Enjoy being a poor nobody, Lucy!"

Emma laughed as she shook off my hand, shoved me hard, and swaggered into the classroom.

Inside the classroom.

The class monitor was spraying saliva at the podium: "New Year's is coming up, and the school is holding a New Year's party. Anyone who wants to sign up, come get a form from me."

Emma eagerly expressed her interest in participating.

I guessed that with her vanity, she would definitely want to go on a shopping spree and then make a splash at the New Year's party to get more attention and praise.

Sure enough, as soon as class ended, Emma started discussing what gowns to wear on stage with some other rich girls.

"I just picked out a haute couture evening gown. I'll have my mom buy it for me and send you guys photos when it arrives."

"Emma, your family really spoils you, giving you whatever you want."

"Well, girls should be raised with wealth, right? Otherwise our horizons are too narrow and we're easily deceived."

Everyone was fawning over her and flattering her.

Hiding in the shadows, I was smiling too.

I wonder if she's checked her bank account balance yet?

She can talk big all she wants.

That night, Emma pounded on my dorm room door so hard it shook.

"Lucy, come out here!"

I opened the door to see her glaring at me furiously.

"Aren't you supposed to be from a rich family? Why is there so little money in the bank account, and I can't get through when I call your mom?"

I quietly made a "shh" gesture, leaned in close to Emma, and whispered: "Why are you shouting? Do you want all the other students to know you have no money?"

Emma reluctantly shut her mouth and followed behind me with a sullen expression as we walked to a quiet spot.

She looked around to make sure no one was nearby, then finally exploded.

"Tell me, what's going on?"

I patted her shoulder and kindly advised: "Just a friendly reminder, besides checking the bank balance, you should also check the credit card and online loan platforms. The numbers there are much bigger than in the bank account."

"Also, those designer bags and clothes in your closet are all rented at high prices. If you don't return them on time and accidentally get sued, it wouldn't be worth it."

Emma was stunned for a moment, then her voice suddenly rose: "Are you crazy? Overdrawing so much money just to create a rich socialite persona? How vain are you?"

The sight of Emma getting so upset in front of me made me extremely happy.

"What does this have to do with me? You're Miss Emma now, aren't you?"