Usury Academy (2023) Movie Script
There's a student, Lee Kang-jin
in Geumwha High School.
You don't know Lee Kang-jin?
He gives private loan
to other students.
- A high school student lending money?
- Yes!
It's the truth!
Pay back the money!
Yoo Seon-ho
Kang Mi-na
Yoo In-soo
Lee Il-joon
Shin Soo-hyun
Lee Chan-hyung
Seo Hye-won
Yoon Byung-hee
Usury Academy
Hey, who is it?
Get lost.
Who is it?
None of your business.
- Is it a girl?
- Let go!
Hey Ki-young, he...
Damn.
Damn it!
Do you know how much this is?
Clean it!
- Sorry.
- It's fine.
- Clean it.
- It's okay.
Kang-jin?
Yeah.
Aren't you hungry?
I'm fine.
Are you doing your job?
Are you careless
because it's not yours?
No.
Also...
Clean the room.
You'll get sick.
The deadline is next week.
I'm going.
Take care!
Oh my...
Clean the place
I'm a customer, you know.
The place is a mess.
I can't reach your parents.
It's just one day.
What?
It's cut off.
Because of interests,
he couldn't pay the bills.
Come here.
I don't feel comfortable doing this.
It's difficult to make a living
by lending some money
to the neighborhood
I have to give salaries.
I have nothing in my pocket.
But if the customers don't pay up.
You're putting me
in a difficult position.
It's tough, right?
How did you select this job?
- I have nothing else to do.
- Damn.
I just wanted to help.
Sorry.
Tell your parents to pay up.
I need a drink.
Damn.
What?
Did you buy a key ring?
Yeah.
I wanted to buy this, too.
Hey, Ko Shin-ji.
That's enough.
You're embarrassing me, too.
Hey!
I'm talking to you!
Sorry.
- Let's go.
- Let me go.
Shin-ji.
Are you close with Shin-ji?
What?
Do you think she
thinks of you as a friend?
Mind your own business.
Oh Nam-young is a Gold Club member.
Popular club in the neighborhood.
Ask him if you can join the club.
Do you really think they'll let me in?
- Who knows?
- Nobody knows.
Yeah, I could join the club.
Look!
Nam-young, don't be a jerk.
Hey Ki-young, get lost.
Are you crazy?
I have to wash the mop.
Seat down.
Okay.
Kang-jin?
When you're in second grade
don't you know your
position in the school?
I don't think Man-soo knows.
You have to tell him his position.
Man-soo's cute.
Also...
You did a good job on the homework.
Why didn't you do
it like that last time?
Friends should help each other.
We're friends.
Good job.
Since you did a good job
you deserve a reward.
Wow!
- This stamp works well.
- Nice work.
Stamp looks good
I'll put a stamp on you, too.
- Is there a stamp for really good job?
- Give it to me.
It's a compliment!
Come here.
You look lonely.
What is that stamp?
Good job?
Oh my...
Why did you come to the school?
I came in because you didn't come out.
Nobody stopped me
I said hello to the security guard.
Did you see an envelope at your house?
An envelope?
An envelope like this.
No, I didn't.
Look at my eyes.
Did you really not see it?
Damn, where is it!
I never had this kind of experience!
Look for the envelope at home.
Find it and call me.
Answer me.
Yes.
If you're in second grade,
you should know your position.
You did a good job on the homework.
Friends should help each other.
You deserve a reward.
Did you see an envelope
like this at home?
I must have forgotten
after putting it in my pocket.
Oh, you forgot?
I'll buy it, how much is it?
It's 200,000 Korean Won.
Did you choose what you wanted?
Is this all you need?
Yes.
You could have told me
that your friend will pay for it.
Excuse me.
About the store...
What?
Did you buy cosmetics?
It was a gift.
From Nam-young?
Yeah.
How about a game of baseball?
Let's play.
It's a practice.
Wait a minute.
Isn't this our school uniform?
It's just regular clothes.
No, it's definitely our school uniform.
How can you tell from
the poor video quality?
With the skirt wrinkles and angle,
it's definitely our school uniform.
The guy looks older than us.
Is she meeting this guy for money?
No way.
What are you guys talking about?
She looks pretty.
Is it new?
It was a gift from you.
Is there a boyfriend
other than me?
What are you talking about?
Who gave this to you?
You're really annoying.
What did you say?
Kang-jin bought it as a gift.
Who?
Lee Kang-jin?
Kang-jin?
Damn it, Kang-jin?
Hey.
Kang-jin.
He's really nice to you.
I have to go.
How can that poor guy buy it?
He's parents working in an other city.
He must have stole it.
Did you see an envelope in the house?
Last one!
What's wrong?
Didn't you leave the
jacket in the classroom?
What are you doing?
Are you doing this because
you think you'll lose?
Hey, what are you doing? Are you crazy?
Give it back.
What?
It's not my money.
Oh, that money.
I know.
What?
That scary-looking man
who came to our school.
He's a loan shark, right?
Oh, Kang-jin.
You surprised me.
You're really brave.
How did you hide it?
Give it back.
You said it's not your money.
I was going to report it.
Then I should tell that loan shark.
That Kang-jin is living
happily with his money.
If you want that money back.
Bring 500,000 Korean Won by next week.
Before I tell that loan shark.
I think this is the place.
What?
- What do you mean?
- The envelope with the money.
I already told you I couldn't find it.
Is that really true?
Yes, I couldn't find it.
Kang-jin, tell me the truth.
Did you really not find it?
Your look really nervous.
Come here, what's wrong?
Where's my money?
That's...
You're brave Kang-jin.
Where's my money?
Answer me.
Someone took it!
He took it from me!
Okay.
Let's think it over.
It's difficult to tell when
the customer will pay up.
Customer?
Those who took my money are customers.
No job No guarantee.
We usually receive the
physical rights waiver.
- Physical rights... waiver?
- Listen to me!
That's what we normally do.
But you and I are friends.
And the amount is not big.
How about working for me?
What?
I'm still under 20 years old.
Even middle school
students work to make money.
You can go to the top without hard work
I'll teach the skills, so
bring my money back.
Or do you want to go with
the normal procedures?
You want me to become a loan shark?
In Korea, a student can kill
someone and not go to prison.
But how can I lend money...
Aren't you listening
to what I'm saying?
I'm going to help you.
You're in this situation
because of money
I'll help you make that money!
For people like you, this
is the only way to get rich.
- But...
- There's no other way.
The purpose is to tell others
that this man owes money.
It's more effective when
there are many people.
What will people think
when they see him?
How did he lend money
from a loan shark?
Don't you think so?
In Korea, those who
lend money are shameful.
Step 1, make him embarrassed.
When one door of happiness
closes, another opens.
But often we look so
long at the closed door
that we do not see the one
which has been opened for us.
This is what Helen Keller
said about happiness.
What is your condition of happiness?
Is your happiness based
on the amount of money?
If so, I can tell you clearly
that you're wrong.
Instead of the condition of
happiness set by the world
you must have your own
condition of happiness.
Also, you must find it.
As Helen Keller said, don't
look at that closed door.
Pay back the money!
People will begin to avoid him.
As the Korean society
emphasizes on human relationship.
He will pay back the money.
What do you mean by
paying back the money?
You stole my money from my jacket!
It's not my money, it's
the loan shark's money.
You stole the loan shark's money!
Why would I do that?
I think there's a misunderstanding.
You normally don't talk like that!
- What?
- Why?
Are there too many people watching?
Everyone knows who you really are.
Do you think you're
popular in the school?
That's because your family's rich.
Am I wrong?
Kim Ki-young, answer me!
So shut up and pay back my money!
Hey, Lee Kang-jin!
What do you think you're doing?
Oh Nam-young stole my money!
You!
Sir, I think Kang-jin
has a misunderstanding.
You have to fill up
both sides of the paper.
Step 2, annoy other family member.
Where did you go yesterday?
I went to collect my money.
Someone else in the family
must pay back the money.
Mr. Oh Sung-tae, father
of Oh Nam-young!
I came to collect your son's debt!
What did you do to Oh Nam-young?
I heard others talking,
and it's really serious.
You should go home early.
Hey!
Let's go.
Get up.
Damn.
Medley must be sang when
there's only 1 minute left.
Pay back the money.
Wow, I have no choice
I'll have to sing another song.
Immediate Loan - Daily
Installment Loan M.P. 010-348-4982.
Didn't you hear my presentation?
Oh, I understand.
You messed up my presentation.
Listen carefully.
Don't look at that closed door.
See the door of happiness open to us.
That's what Helen Keller said.
Damn it, what is it?
Step 3, punishment is a medicine.
Since you're a student
deadline is until next Friday.
Stealing and hiding the money
and even compensation for lying
I'll just receive more
as much as you stole.
I'm a honest person.
That's a legal document
for our customer
that he received the information
and has no objections.
If you pass the deadline,
10% will be added every week.
Since 1 week has already
passed 10% is already added.
- That's correct.
- You're right.
Since I'm a honest businessman,
our annual interest rate is 100%.
Maximum legal interest rate is 20%.
Students are smart nowadays.
But can't figure out what's going on?
You know, I'm a student.
Can you really deal with it?
He's only 19 years old.
He's birthday is early,
so he's 18 years old.
Students can fight, right?
Right?
Wow.
A rich kid from a rich family.
So you did everything you wanted.
I'll call the police.
That's a good idea.
Hey!
How can you hit him like that?
Should I call the police?
Let's see.
What about the original amount?
I brought the exact amount.
This is only the interest.
Weekly interest of 10%.
You signed with your thumbprint.
Hey.
You know this is illegal.
It doesn't have any legal force
I'll visit your father's company again
I'll have to talk more about your debt.
But since you paid the
interest, I'll have to reward you.
Are you crazy?
Good job.
How did you feel when
you collected the money?
Were you nervous like before?
- No.
- Exactly.
Nothing is more important than money.
Money is power.
What about the original amount?
I'll receive it next week.
- Keep it when you receive it.
- What?
You earned it, nothing is free.
Thank you.
Say thank you after
you collect the money.
It's only yours after you receive it.
Yes.
I have money.
We can go somewhere better.
Our house is bankrupt.
My dad's business got bankrupt
when I was in middle school.
Really, I didn't notice.
People will avoid me it they knew.
Anyway, since our family became poor
we never ate outside
and we never ate dinner together.
When I was in third grade, I
ate dinner here for the last time.
Call me if you want to go somewhere.
But only in this place.
- Come outside.
- Give it to me here.
It's not enough.
What?
I said 20% for 2 weeks, right?
Lower your voice in front of others.
Damn it!
You idiot!
Do you think this will go on forever?
Get real!
Don't overrate yourself.
You can't even transfer
to another school.
I have friends everywhere.
Friends?
- What friends?
- What?
Are your friends scarier
than the loan shark?
I won't give you a reward today.
Do a good job!
- Did you check my message?
- Message?
I didn't know.
Why?
I'm getting tired of Lee Kang-jin.
- So what?
- So what?
Where's your pride?
Aren't you embarrassed?
Why are you cursing at me?
- What did you say?
- What are you going to do?
Are you going to fight the
loan shark and his gangsters?
This is because you stole the money.
Did you lose your mind?
Why did you steal the money?
Your family's rich.
I think you should know
your position at school.
Are you the student Shin Da-young?
I'm sorry to surprise you.
I'm not a strange
person I'm a policeman.
Do you know Park Won-joon?
- 2 million Korean Won?
- Yes
I can close the case with that money
I don't think it a lot of money.
Da-young?
Are you going to ruin your life
for that 2 million Korean Won?
Or the other option
that I talked about.
Think about it.
This is a letter from Park
Won-joon for settling this case.
He requested 4 million
for settling the case.
Read it and think it over.
Are you use to it now?
Yes, but I'm not sure
whether this is right.
Then you have to
work in your own field.
Where?
In the school where you belong.
In the school?
Who will use private loan at school?
High school students spend
more than college students.
Where did they get the
money to buy all that?
They will be scared
of using private loan.
You have to throw out that prejudice.
Just lend small money that they need.
Friends lend money and
receive interest, right?
It's the same thing.
I'm not saying this thoughtlessly.
Look, it's really cheap.
I just need a little bit more money
I saw a shoes that I
wanted but I couldn't buy it.
I just got my allowance
and I just need 200,000 Korean Won
I can pay it back with my
next month's allowance.
Kang-jin?
Your family should reunite
after paying back all the debt.
You experiences it, right?
Your parents can't pay back
just by working in the factory.
Everyone looks happy.
They don't seem to have any worries.
Who doesn't have worries?
They just pretend that
they don't have any worries.
Or they don't know
that they have worries.
- Kang-jin?
- Yes?
How did you put up with
Nam-young's bullying?
I'm just...
curious about how you
put up with his bullying.
What's going on?
If I can help, I'll help.
We went to elementary school together.
You should say something.
Why don't you say it?
Stop whispering and say it!
I'm actually worried.
I'm worried, too.
About what?
About what you said earlier.
Doing business with
high school students.
How can we do business with
students taking money from others
I think it's inappropriate
for students.
You guys are really frustrating.
Am I doing this for charity?
When students use private
loan, what will the parents think?
The money comes from the parents.
Oh!
Let Kang-jin experience this business.
He will be doing it even
if we don't force him to.
- You're right, sir.
- But...
will he do this kind of job?
He wasn't born to do this job.
You and I weren't born to do this job.
Let's see if he comes or not.
Students who are tired of studying
we will fill their heart
with private loan.
Wow!
Isn't it beautiful?
That's not money, it's love.
Follow those guys
to learn the business.
It may look easy,
but you have to learn.
Each person has different personality.
We need a customized system.
Your friend who
threatened to call the police.
- Oh Nam-young.
- Yes, he's a beginner.
Let's move on to the advanced lesson.
We have to make progress.
Of course.
Is this enough?
Good job.
How can you have a girlfriend?
Isn't that Lee Kang-jin?
What's he doing there?
Kang-jin and I put up
with him for a long time.
From when did he have
ties to those people?
Ties?
I heard his parents had
ties with those people.
Is Oh Nam-young going to study abroad?
It's difficult to go
abroad on third grade
I think he'll lay low
from the embarrassment
and look for a chance
to come out again.
Shut up you guys!
Did you have a good sleep?
I can't say whatever I want.
Why are you interfering?
What?
What did you say?
What's wrong?
What are you going to do about it?
Damn it.
Are you crazy?
What is this?
Did you go through my stuff?
Stop it!
I'll report you as a stalker.
You're not this kind of girl.
- Stop it and come back...
- Who cares!
It's none of your business!
Do you think you're my friend?
Don't get it wrong.
You're disgusting.
You have to eat or you'll get sick.
How long are you going to do this?
You'll never see
them after high school.
You're making things worse.
- We have to go to college.
- Hey.
Leave me alone.
I'll get expelled from school anyway.
I already submitted all the homework.
So come back to school.
Let's start with Kang
Byung-koo in Class 3.
He's trying to buy a
motorcycle from a website
but he's short on money
to lend from others.
He also has many friends
riding on a motorcycle.
What does it mean?
If we persuade him, we
can attract many customers.
I heard from Man-soo
that you're working for a gangster.
It's not a gangster.
Hurry up.
I'm just helping someone
I heard Oh Nam-young got humiliated.
I'm his friend.
How can I trust you?
You have to trust the money, not him.
How much can you lend me?
How much do you need?
About 1 million Korean Won?
1 million Korean Won?
Okay.
What is this?
Since we're students,
you need a guarantee.
Take one of your parents'
ID and send it to us.
- What?
- If you don't like it...
- All right.
- Great.
Your thumbprint here.
What's this message?
Let's go and see.
Hello?
Yes, you can come now.
I heard someone's helping him.
Do you really believe that?
- How about the money?
- Maybe he's rich.
It's just petty cash.
Hey guys come here!
It's cold, right?
Come near the fire.
Nice to meet you guys!
Kneel down idiots!
- Did you hear the news?
- What news?
About the new members.
- What about them?
- I've never heard about them.
We can't let everyone in our club.
The new member organized this event.
It doesn't mean anything.
- I'll pay for it next time.
- That's your parent's money.
Those new members...
Look.
What is it?
You look better.
Why didn't you do it earlier?
- Thank you.
- What?
About helping me last time.
You have to pay back it's not free.
Of course I'll pay back.
But Lee Kang-jin Loan sounds stupid.
- Don't be surprised.
- About what?
- Hello sir!
- Yes.
Come here and sit down.
I don't think you came as a teacher.
I should cut my credit card.
It's difficult to use
several credit cards.
I'll lower the interest
if you introduce others.
How much?
- Lower than the major banks.
- Really?
I really appreciate it!
There are other teachers in
the school who'll lend the money.
I know several teachers.
Everyone's getting a
loan because it's difficult.
The banks don't lend money to us.
Out of curiosity
if I pass the deadline
will gangsters come to
the school to threaten me?
There will be no problem
if you pay on time.
What's up with your face and clothes?
Get out if you came to start a fight.
I'm sorry about last time.
Lee Kang-jin came to the Gold Club.
What?
They probably need the money, too.
Even if they're rich they
still receive allowances.
If we leave him like this
he'll take over the neighborhood.
How many people used his loan?
Everyone from the Gold
Club and neighborhood.
At first, they were happy
to receive the money
but now, some can't
even pay the late interest
Lee Kang-jin, he's a loan shark now.
Do you think that's important?
If you don't come to school next week
there's nothing we can do.
Don't worry.
Now I'm ready to return to school.
You surprised me!
What is it?
I have something to
say to Lee Kang-jin.
But I can't find that idiot.
Why are you asking me about Kang-jin?
- I don't take orders from him.
- Are you sure?
That's what everyone thinks about you.
- Who said that?
- Why are you mad?
If it's not true that's fine.
Hi Man-soo?
It's been a long time.
- Man-soo?
- Yeah?
How much do you get
from working for Kang-jin?
I'm not working for him
I'm his strategic partner.
We divide shares.
Don't lie to me.
How do you know he's
really dividing the shares?
Doesn't he go to meet
the loan shark alone?
I don't think you're
getting enough money.
He's probably making all the money.
- He's lying to you.
- He's really something.
Giving debt to everyone at school.
Damn.
I should have known
that loan shark first.
What a shame.
I envy you Man-soo.
Making easy money and
gangsters supporting him.
Kang-jin!
Let's go have lunch.
I slept late counting money.
You have to eat something.
Get me some bread.
Can't you see I'm sleeping?
Hey Lee Dong-hae.
Hey!
Get me some bread and milk.
What?
Go and get me some bread and milk.
What are you saying?
I'll help you.
Settle it first with this money.
Let's become friends again.
You're really disgusting.
Don't talk to me again.
Hee-won what are you doing?
- Hey!
- Stay still.
Crazy girl.
Give it back!
- She's strong.
- Please!
What are you saying?
Look at this.
Damn it.
Oh, so many people.
Give me some more time to pay back.
Hey!
- Are we charity like UNICEF?
- No.
You said that you needed money.
Do you think I'm that easy?
- Damn it.
- I think he can understand.
Hey!
It's been a long time Oh Nam-young.
How have you been?
I needed the money
but it's frustrating to pay it back.
How many people lend
the money in your school?
Almost everybody.
What if you don't pay it back?
Damn, I don't want to get beat up.
I think there's a way.
It's not enough.
- What's the problem?
- He'll pay tomorrow.
But the deadline is today.
I cut him some slack
because he's my friend.
This is business don't get personal!
He said he'll pay tomorrow.
Hey, we're not lending
money for game money!
Collect the money today!
Are you losing your mind?
- You want me to divide areas?
- Yes.
Since we're covering too much area
it's difficult for
Kang-jin to care alone.
We can't refuse the customers.
It's more efficient to divide areas.
I think it can save his trouble.
You're a traitor.
What?
Are you trying to trick me?
You just want to make more money
I'm just worried about
Kang-jin as a friend
I'm worried about you.
- Hold on tight, it's going to hurt.
- I'm just his friend.
- You can get hurt.
- You're right!
- What's right?
- What you said is right.
I wanted to make more money.
It's the truth.
You know...
I hate people who betray friendship.
- I'm sorry.
- But...
I really hate people acting like
a gentleman in front of money.
- Do you understand?
- Yes.
Sit down.
- Me?
- Let's talk business.
- Explain it to me.
- Yes.
Kang-jin can take care
of Geumwha High School.
I have a good idea for
not paying back the money.
Will you trust us?
- Really?
- We don't need to pay back?
- I told you to believe me!
- I'm so excited!
I'm not going to pay back the debt!
Hey, what's this?
It's exactly what it
says in the message.
What?
It's difficult for you to
take care of everything.
You looked tired.
I told him so you can work more easily.
I'm really disappointed.
I thought you were going to thank me.
What is this?
He's crazy.
Kang-jin what's up?
It was the boss's order, what can I do?
If you guys have problems,
solve it by yourself.
Hello?
Damn it!
- Were you still here?
- Yes.
Sorry, I'm in a hurry I'll call you.
This is so easy.
Everyone's so cooperative
because they don't have to pay back.
Do you think the loan
shark will let it go by?
- How much are we short?
- About 50%.
What should we do?
We have to tell the boss.
Will he understand?
Since it's our first time
maybe he will forgive us.
- Start calling!
- Okay.
I have something to tell you.
Can you postpone this settlement?
I have some problem,
but I can solve it.
Are you crazy?
Are you really crazy?
- What?
- Who said you can postpone?
- That's not the reason.
- Are you crazy?
I'll calculate the
interest from tomorrow
so bring me that money
quickly or you'll be in trouble
I think you're
misunderstanding something.
You're the debtor and I'm the creditor.
Never forget that.
That's not what I meant.
Shut your mouth!
A student in a private loan business?
You need a better lie than that.
It's the truth.
- Believe me, stupid.
- Stupid?
- Do you know where you are now?
- There's a Lee Kang-jin Loan!
The world is coming to an end.
Young students crazy about money.
What are you trying to
be when you grow up?
Ouch! I'll walk by myself!
Another high school student?
Is this a high school reunion?
- I don't know.
- Hey! Sit here.
- Go and sit there.
- Sit down.
Don't play around,
let's finish this quickly.
How can you take money from others?
I'll get in big trouble if I can't
pay back the private loan.
Private loan?
It's called Lee Kang-jin Loan.
What's Lee Kang-jin Loan?
Officer, don't you know Lee Kang-jin?
Lee Kang-jin from Geumwha High School.
He lends private
loan to other students.
Private loan by a high school student?
I'm telling the truth!
He's just a normal student
but there's a loan shark
and gangsters helping him.
You still can't trust me?
I'll show you proof.
Look.
From what's going on,
it's time to get started.
Collect 5 million per person.
But we already collected
most of the money.
Do you think the parents will
let their child get in trouble?
You're right.
Speed is most important.
Go and collect the money quickly.
- I understand.
- Yes, boss.
Who is it?
Your son borrowed
money and didn't pay back.
What are you talking about?
This is a bond of debt, and
you have to pay 5 million.
How can 500,000 become 5 million?
Damn it!
All he needed to do was
kick the ball into the net!
I already paid it to Lee Kang-jin.
To Kang-jin?
Why did you pay our money to Kang-jin?
- The bond of debt.
- Thank you.
- Is it right.
- Yes.
Thank you Let's go.
- Hey, Lee Dong-hae.
- What?
- You owe me, right.
- Yeah.
Pay me now.
- It's until next month.
- It's urgent!
- I'll give you a discount.
- I don't have it now.
Just give it to me!
I don't have it now!
Kang-jin.
Do you really have to
do that to your classmate?
Are you a loan shark?
Wake up.
I'll give you more discount.
- You're going too far.
- What?
I don't need to pay now.
Are you a loan shark?
Do I look like a pushover?
Damn you!
What's with that attitude now?
You're the one who needed the money.
Do you know what happens
if you can't pay back?
Kang-jin what are you doing?
We're just talking.
It's none of your business.
What should we do about this?
Da-young is stealing, and her
boyfriend is lending private loan.
It's not easy.
We have to solve this case.
We have to send to
the prosecutor's office
I can't help you at that point.
Da-young?
You shouldn't think too much.
It's been a long time, Rang!
How's business?
I heard you're making
money out of students.
Are you that desperate?
It's none of my business.
You need to lay low for 2-3 weeks
I'll clean the mess up nicely.
You know who I am
I'll make sure you
won't get into trouble.
As long as you pay up.
What's happening?
- Nobody's answering!
- Damn it.
Are you trying to hide by yourself?
- Who is it?
- Everyone.
You really didn't know?
For those who already paid.
Rang threatened the
parents to collect 5 million.
You've been exploited.
Hey, Shin Da-young!
So this is the palace of our princess?
- It's impressive.
- I'm disappointed.
You've been acting proud all that time
but you were talking behind our back.
Why didn't you say
that you needed a guy?
Are you having fun?
Playing detective?
I forgot to show you this.
It's so difficult to see my girlfriend.
Why are you talking so mean to her?
Da-young?
I think there was a misunderstanding.
What misunderstanding?
Why am I your girlfriend?
Stop being such a jerk.
Do you really like her that much?
What?
A jerk?
Are you crazy?
Do you think we're friends?
This is what happens if
you're nice to pitiful girls.
- I'm sick and tired.
- Hey.
- Don't go.
- You slut!
Get lost!
I'll just turn myself in.
What? Da-young, you...
I'll receive the
punishment for my crime.
I just stole the money.
I have the name and number
of those who I stole from.
Also, my conversation with you
it's all recorded.
What? Wait a minute... Hey!
It's all finished.
Kang-jin?
- Damn it.
- So pathetic.
How was that short
feeling of being rich?
Was it you?
Acting smart all by yourself
and now you knew it?
It's not easy to become a leader!
You should have listened to me.
Let's go back to Kang-jin
who did my homework.
Get on!
- Get them!
- Move!
Thank you.
Why did you call me?
- Don't you know?
- About what?
Once a betrayer, always a betrayer.
You're ignored me first.
What?
Damn it!
This is all because you ignored me.
Stop it!
Does that matter right now?
What about your side?
They're not answering my calls.
That bastard is hiding.
It's all because of Oh Nam-young.
Bastard!
I ruined it all.
It's better that way.
What are you talking about?
How long were you
planning to do the business?
We're in trouble get on the bike!
Just run!
Who is this?
Hey, come here!
- Damn it!
- Go find the rest!
Hey!
Come on!
Damn it!
You can't catch Kang-jin.
Idiots.
Stop talking stupid!
What's wrong?
I think we're in trouble.
Man-soo!
Hey Man-soo!
Man-soo!
Should we go to the police?
What?
Have you ever heard
about conditional sex?
I was caught doing conditional sex
and the detective came to our house.
Unfortunately I met a bad guy.
But I didn't actually
have sex with them.
I just stole the money
from their wallet.
It is a crime.
Is that a crime?
You punished bad guys.
Look at what I did.
It's going to be late,
you should go home first.
Do you want me by your side?
Man-soo's parents will be here soon.
Go home.
All right.
Good-bye.
I don't want to give
it to Detective Choi.
Who's calling?
Did he hear what I said?
- Yes, Detective.
- Are you busy?
What's with the hurry, Detective?
I was just counting your share.
No, I need you to do a favor.
What favor?
Lee Kang-jin's girlfriend Shin Da-young
she's threatening me.
So if I solve your problem,
you will solve mine, right?
What happened?
- Let's have a drink soon.
- Sure
I'll make the preparations.
Yes, Bye.
Idiot.
Okay.
Loan Shark is at Da-young's house
Boss, what should we do?
Your phone.
Yes, Boss.
How dare you!
Here it is, Boss.
This smartphone is a problem.
You can do everything with this.
You can't say whatever you want.
There are gangsters at
Shin Da-young's house.
You guys are all in trouble.
There are gangster at
Shin Da-young's house.
Da-young!
Da-young!
He'll break the door.
Are you Iron Man?
Kang-jin!
You stupid!
Kang-jin, are you all right?
Kang-jin.
Why are you doing this to Da-young?
- Just harass me!
- Harass who?
Do you think I have a lot of time?
You two made things worse.
All you needed to do was
sleep with Detective Choi.
Our business is finished, right?
I made some money thanks to you.
You traitor!
Kang-jin.
This is how you make money.
You can't earn it honestly.
It was you guys who needed the money.
You bastard.
Do you really want to die!
Who are you?
- Boss?
- Knife!
Boss is bleeding, call the ambulance!
We don't have time!
Da-young, get up.
Da-young, we have to go.
Call the ambulance!
- Ambulance!
- Blood!
You two made things worse.
All you needed to do was
sleep with Detective Choi.
Our business is finished, right?
I made some money thanks to you.
Kang-jin.
This is how you make money.
You can't earn it honestly.
It's really boring.
Nam-young let's start.
What do you think
happiness is?
What are you doing?
What is it?
Isn't it Nam-young and Shin-ji?
What are you doing?
Nam-young wasn't dating Da-young?
- It's Nam-young and Shin-ji.
- Big news!
What's wrong?
- What is it?
- Is that Shin-ji?
Hey, it's Shin-ji!
It's raining!
The ocean reminds me of my childhood.
What was your dream?
President.
Why are you laughing?
- That was your dream, too.
- You're right.
I thought I would really
become a president.
But now...
I don't think I can
graduate high school.
Do you think we can go back?
Epilogue
I'll do a good job.
Spit out the gum before you answer.
I'll do a good job.
in Geumwha High School.
You don't know Lee Kang-jin?
He gives private loan
to other students.
- A high school student lending money?
- Yes!
It's the truth!
Pay back the money!
Yoo Seon-ho
Kang Mi-na
Yoo In-soo
Lee Il-joon
Shin Soo-hyun
Lee Chan-hyung
Seo Hye-won
Yoon Byung-hee
Usury Academy
Hey, who is it?
Get lost.
Who is it?
None of your business.
- Is it a girl?
- Let go!
Hey Ki-young, he...
Damn.
Damn it!
Do you know how much this is?
Clean it!
- Sorry.
- It's fine.
- Clean it.
- It's okay.
Kang-jin?
Yeah.
Aren't you hungry?
I'm fine.
Are you doing your job?
Are you careless
because it's not yours?
No.
Also...
Clean the room.
You'll get sick.
The deadline is next week.
I'm going.
Take care!
Oh my...
Clean the place
I'm a customer, you know.
The place is a mess.
I can't reach your parents.
It's just one day.
What?
It's cut off.
Because of interests,
he couldn't pay the bills.
Come here.
I don't feel comfortable doing this.
It's difficult to make a living
by lending some money
to the neighborhood
I have to give salaries.
I have nothing in my pocket.
But if the customers don't pay up.
You're putting me
in a difficult position.
It's tough, right?
How did you select this job?
- I have nothing else to do.
- Damn.
I just wanted to help.
Sorry.
Tell your parents to pay up.
I need a drink.
Damn.
What?
Did you buy a key ring?
Yeah.
I wanted to buy this, too.
Hey, Ko Shin-ji.
That's enough.
You're embarrassing me, too.
Hey!
I'm talking to you!
Sorry.
- Let's go.
- Let me go.
Shin-ji.
Are you close with Shin-ji?
What?
Do you think she
thinks of you as a friend?
Mind your own business.
Oh Nam-young is a Gold Club member.
Popular club in the neighborhood.
Ask him if you can join the club.
Do you really think they'll let me in?
- Who knows?
- Nobody knows.
Yeah, I could join the club.
Look!
Nam-young, don't be a jerk.
Hey Ki-young, get lost.
Are you crazy?
I have to wash the mop.
Seat down.
Okay.
Kang-jin?
When you're in second grade
don't you know your
position in the school?
I don't think Man-soo knows.
You have to tell him his position.
Man-soo's cute.
Also...
You did a good job on the homework.
Why didn't you do
it like that last time?
Friends should help each other.
We're friends.
Good job.
Since you did a good job
you deserve a reward.
Wow!
- This stamp works well.
- Nice work.
Stamp looks good
I'll put a stamp on you, too.
- Is there a stamp for really good job?
- Give it to me.
It's a compliment!
Come here.
You look lonely.
What is that stamp?
Good job?
Oh my...
Why did you come to the school?
I came in because you didn't come out.
Nobody stopped me
I said hello to the security guard.
Did you see an envelope at your house?
An envelope?
An envelope like this.
No, I didn't.
Look at my eyes.
Did you really not see it?
Damn, where is it!
I never had this kind of experience!
Look for the envelope at home.
Find it and call me.
Answer me.
Yes.
If you're in second grade,
you should know your position.
You did a good job on the homework.
Friends should help each other.
You deserve a reward.
Did you see an envelope
like this at home?
I must have forgotten
after putting it in my pocket.
Oh, you forgot?
I'll buy it, how much is it?
It's 200,000 Korean Won.
Did you choose what you wanted?
Is this all you need?
Yes.
You could have told me
that your friend will pay for it.
Excuse me.
About the store...
What?
Did you buy cosmetics?
It was a gift.
From Nam-young?
Yeah.
How about a game of baseball?
Let's play.
It's a practice.
Wait a minute.
Isn't this our school uniform?
It's just regular clothes.
No, it's definitely our school uniform.
How can you tell from
the poor video quality?
With the skirt wrinkles and angle,
it's definitely our school uniform.
The guy looks older than us.
Is she meeting this guy for money?
No way.
What are you guys talking about?
She looks pretty.
Is it new?
It was a gift from you.
Is there a boyfriend
other than me?
What are you talking about?
Who gave this to you?
You're really annoying.
What did you say?
Kang-jin bought it as a gift.
Who?
Lee Kang-jin?
Kang-jin?
Damn it, Kang-jin?
Hey.
Kang-jin.
He's really nice to you.
I have to go.
How can that poor guy buy it?
He's parents working in an other city.
He must have stole it.
Did you see an envelope in the house?
Last one!
What's wrong?
Didn't you leave the
jacket in the classroom?
What are you doing?
Are you doing this because
you think you'll lose?
Hey, what are you doing? Are you crazy?
Give it back.
What?
It's not my money.
Oh, that money.
I know.
What?
That scary-looking man
who came to our school.
He's a loan shark, right?
Oh, Kang-jin.
You surprised me.
You're really brave.
How did you hide it?
Give it back.
You said it's not your money.
I was going to report it.
Then I should tell that loan shark.
That Kang-jin is living
happily with his money.
If you want that money back.
Bring 500,000 Korean Won by next week.
Before I tell that loan shark.
I think this is the place.
What?
- What do you mean?
- The envelope with the money.
I already told you I couldn't find it.
Is that really true?
Yes, I couldn't find it.
Kang-jin, tell me the truth.
Did you really not find it?
Your look really nervous.
Come here, what's wrong?
Where's my money?
That's...
You're brave Kang-jin.
Where's my money?
Answer me.
Someone took it!
He took it from me!
Okay.
Let's think it over.
It's difficult to tell when
the customer will pay up.
Customer?
Those who took my money are customers.
No job No guarantee.
We usually receive the
physical rights waiver.
- Physical rights... waiver?
- Listen to me!
That's what we normally do.
But you and I are friends.
And the amount is not big.
How about working for me?
What?
I'm still under 20 years old.
Even middle school
students work to make money.
You can go to the top without hard work
I'll teach the skills, so
bring my money back.
Or do you want to go with
the normal procedures?
You want me to become a loan shark?
In Korea, a student can kill
someone and not go to prison.
But how can I lend money...
Aren't you listening
to what I'm saying?
I'm going to help you.
You're in this situation
because of money
I'll help you make that money!
For people like you, this
is the only way to get rich.
- But...
- There's no other way.
The purpose is to tell others
that this man owes money.
It's more effective when
there are many people.
What will people think
when they see him?
How did he lend money
from a loan shark?
Don't you think so?
In Korea, those who
lend money are shameful.
Step 1, make him embarrassed.
When one door of happiness
closes, another opens.
But often we look so
long at the closed door
that we do not see the one
which has been opened for us.
This is what Helen Keller
said about happiness.
What is your condition of happiness?
Is your happiness based
on the amount of money?
If so, I can tell you clearly
that you're wrong.
Instead of the condition of
happiness set by the world
you must have your own
condition of happiness.
Also, you must find it.
As Helen Keller said, don't
look at that closed door.
Pay back the money!
People will begin to avoid him.
As the Korean society
emphasizes on human relationship.
He will pay back the money.
What do you mean by
paying back the money?
You stole my money from my jacket!
It's not my money, it's
the loan shark's money.
You stole the loan shark's money!
Why would I do that?
I think there's a misunderstanding.
You normally don't talk like that!
- What?
- Why?
Are there too many people watching?
Everyone knows who you really are.
Do you think you're
popular in the school?
That's because your family's rich.
Am I wrong?
Kim Ki-young, answer me!
So shut up and pay back my money!
Hey, Lee Kang-jin!
What do you think you're doing?
Oh Nam-young stole my money!
You!
Sir, I think Kang-jin
has a misunderstanding.
You have to fill up
both sides of the paper.
Step 2, annoy other family member.
Where did you go yesterday?
I went to collect my money.
Someone else in the family
must pay back the money.
Mr. Oh Sung-tae, father
of Oh Nam-young!
I came to collect your son's debt!
What did you do to Oh Nam-young?
I heard others talking,
and it's really serious.
You should go home early.
Hey!
Let's go.
Get up.
Damn.
Medley must be sang when
there's only 1 minute left.
Pay back the money.
Wow, I have no choice
I'll have to sing another song.
Immediate Loan - Daily
Installment Loan M.P. 010-348-4982.
Didn't you hear my presentation?
Oh, I understand.
You messed up my presentation.
Listen carefully.
Don't look at that closed door.
See the door of happiness open to us.
That's what Helen Keller said.
Damn it, what is it?
Step 3, punishment is a medicine.
Since you're a student
deadline is until next Friday.
Stealing and hiding the money
and even compensation for lying
I'll just receive more
as much as you stole.
I'm a honest person.
That's a legal document
for our customer
that he received the information
and has no objections.
If you pass the deadline,
10% will be added every week.
Since 1 week has already
passed 10% is already added.
- That's correct.
- You're right.
Since I'm a honest businessman,
our annual interest rate is 100%.
Maximum legal interest rate is 20%.
Students are smart nowadays.
But can't figure out what's going on?
You know, I'm a student.
Can you really deal with it?
He's only 19 years old.
He's birthday is early,
so he's 18 years old.
Students can fight, right?
Right?
Wow.
A rich kid from a rich family.
So you did everything you wanted.
I'll call the police.
That's a good idea.
Hey!
How can you hit him like that?
Should I call the police?
Let's see.
What about the original amount?
I brought the exact amount.
This is only the interest.
Weekly interest of 10%.
You signed with your thumbprint.
Hey.
You know this is illegal.
It doesn't have any legal force
I'll visit your father's company again
I'll have to talk more about your debt.
But since you paid the
interest, I'll have to reward you.
Are you crazy?
Good job.
How did you feel when
you collected the money?
Were you nervous like before?
- No.
- Exactly.
Nothing is more important than money.
Money is power.
What about the original amount?
I'll receive it next week.
- Keep it when you receive it.
- What?
You earned it, nothing is free.
Thank you.
Say thank you after
you collect the money.
It's only yours after you receive it.
Yes.
I have money.
We can go somewhere better.
Our house is bankrupt.
My dad's business got bankrupt
when I was in middle school.
Really, I didn't notice.
People will avoid me it they knew.
Anyway, since our family became poor
we never ate outside
and we never ate dinner together.
When I was in third grade, I
ate dinner here for the last time.
Call me if you want to go somewhere.
But only in this place.
- Come outside.
- Give it to me here.
It's not enough.
What?
I said 20% for 2 weeks, right?
Lower your voice in front of others.
Damn it!
You idiot!
Do you think this will go on forever?
Get real!
Don't overrate yourself.
You can't even transfer
to another school.
I have friends everywhere.
Friends?
- What friends?
- What?
Are your friends scarier
than the loan shark?
I won't give you a reward today.
Do a good job!
- Did you check my message?
- Message?
I didn't know.
Why?
I'm getting tired of Lee Kang-jin.
- So what?
- So what?
Where's your pride?
Aren't you embarrassed?
Why are you cursing at me?
- What did you say?
- What are you going to do?
Are you going to fight the
loan shark and his gangsters?
This is because you stole the money.
Did you lose your mind?
Why did you steal the money?
Your family's rich.
I think you should know
your position at school.
Are you the student Shin Da-young?
I'm sorry to surprise you.
I'm not a strange
person I'm a policeman.
Do you know Park Won-joon?
- 2 million Korean Won?
- Yes
I can close the case with that money
I don't think it a lot of money.
Da-young?
Are you going to ruin your life
for that 2 million Korean Won?
Or the other option
that I talked about.
Think about it.
This is a letter from Park
Won-joon for settling this case.
He requested 4 million
for settling the case.
Read it and think it over.
Are you use to it now?
Yes, but I'm not sure
whether this is right.
Then you have to
work in your own field.
Where?
In the school where you belong.
In the school?
Who will use private loan at school?
High school students spend
more than college students.
Where did they get the
money to buy all that?
They will be scared
of using private loan.
You have to throw out that prejudice.
Just lend small money that they need.
Friends lend money and
receive interest, right?
It's the same thing.
I'm not saying this thoughtlessly.
Look, it's really cheap.
I just need a little bit more money
I saw a shoes that I
wanted but I couldn't buy it.
I just got my allowance
and I just need 200,000 Korean Won
I can pay it back with my
next month's allowance.
Kang-jin?
Your family should reunite
after paying back all the debt.
You experiences it, right?
Your parents can't pay back
just by working in the factory.
Everyone looks happy.
They don't seem to have any worries.
Who doesn't have worries?
They just pretend that
they don't have any worries.
Or they don't know
that they have worries.
- Kang-jin?
- Yes?
How did you put up with
Nam-young's bullying?
I'm just...
curious about how you
put up with his bullying.
What's going on?
If I can help, I'll help.
We went to elementary school together.
You should say something.
Why don't you say it?
Stop whispering and say it!
I'm actually worried.
I'm worried, too.
About what?
About what you said earlier.
Doing business with
high school students.
How can we do business with
students taking money from others
I think it's inappropriate
for students.
You guys are really frustrating.
Am I doing this for charity?
When students use private
loan, what will the parents think?
The money comes from the parents.
Oh!
Let Kang-jin experience this business.
He will be doing it even
if we don't force him to.
- You're right, sir.
- But...
will he do this kind of job?
He wasn't born to do this job.
You and I weren't born to do this job.
Let's see if he comes or not.
Students who are tired of studying
we will fill their heart
with private loan.
Wow!
Isn't it beautiful?
That's not money, it's love.
Follow those guys
to learn the business.
It may look easy,
but you have to learn.
Each person has different personality.
We need a customized system.
Your friend who
threatened to call the police.
- Oh Nam-young.
- Yes, he's a beginner.
Let's move on to the advanced lesson.
We have to make progress.
Of course.
Is this enough?
Good job.
How can you have a girlfriend?
Isn't that Lee Kang-jin?
What's he doing there?
Kang-jin and I put up
with him for a long time.
From when did he have
ties to those people?
Ties?
I heard his parents had
ties with those people.
Is Oh Nam-young going to study abroad?
It's difficult to go
abroad on third grade
I think he'll lay low
from the embarrassment
and look for a chance
to come out again.
Shut up you guys!
Did you have a good sleep?
I can't say whatever I want.
Why are you interfering?
What?
What did you say?
What's wrong?
What are you going to do about it?
Damn it.
Are you crazy?
What is this?
Did you go through my stuff?
Stop it!
I'll report you as a stalker.
You're not this kind of girl.
- Stop it and come back...
- Who cares!
It's none of your business!
Do you think you're my friend?
Don't get it wrong.
You're disgusting.
You have to eat or you'll get sick.
How long are you going to do this?
You'll never see
them after high school.
You're making things worse.
- We have to go to college.
- Hey.
Leave me alone.
I'll get expelled from school anyway.
I already submitted all the homework.
So come back to school.
Let's start with Kang
Byung-koo in Class 3.
He's trying to buy a
motorcycle from a website
but he's short on money
to lend from others.
He also has many friends
riding on a motorcycle.
What does it mean?
If we persuade him, we
can attract many customers.
I heard from Man-soo
that you're working for a gangster.
It's not a gangster.
Hurry up.
I'm just helping someone
I heard Oh Nam-young got humiliated.
I'm his friend.
How can I trust you?
You have to trust the money, not him.
How much can you lend me?
How much do you need?
About 1 million Korean Won?
1 million Korean Won?
Okay.
What is this?
Since we're students,
you need a guarantee.
Take one of your parents'
ID and send it to us.
- What?
- If you don't like it...
- All right.
- Great.
Your thumbprint here.
What's this message?
Let's go and see.
Hello?
Yes, you can come now.
I heard someone's helping him.
Do you really believe that?
- How about the money?
- Maybe he's rich.
It's just petty cash.
Hey guys come here!
It's cold, right?
Come near the fire.
Nice to meet you guys!
Kneel down idiots!
- Did you hear the news?
- What news?
About the new members.
- What about them?
- I've never heard about them.
We can't let everyone in our club.
The new member organized this event.
It doesn't mean anything.
- I'll pay for it next time.
- That's your parent's money.
Those new members...
Look.
What is it?
You look better.
Why didn't you do it earlier?
- Thank you.
- What?
About helping me last time.
You have to pay back it's not free.
Of course I'll pay back.
But Lee Kang-jin Loan sounds stupid.
- Don't be surprised.
- About what?
- Hello sir!
- Yes.
Come here and sit down.
I don't think you came as a teacher.
I should cut my credit card.
It's difficult to use
several credit cards.
I'll lower the interest
if you introduce others.
How much?
- Lower than the major banks.
- Really?
I really appreciate it!
There are other teachers in
the school who'll lend the money.
I know several teachers.
Everyone's getting a
loan because it's difficult.
The banks don't lend money to us.
Out of curiosity
if I pass the deadline
will gangsters come to
the school to threaten me?
There will be no problem
if you pay on time.
What's up with your face and clothes?
Get out if you came to start a fight.
I'm sorry about last time.
Lee Kang-jin came to the Gold Club.
What?
They probably need the money, too.
Even if they're rich they
still receive allowances.
If we leave him like this
he'll take over the neighborhood.
How many people used his loan?
Everyone from the Gold
Club and neighborhood.
At first, they were happy
to receive the money
but now, some can't
even pay the late interest
Lee Kang-jin, he's a loan shark now.
Do you think that's important?
If you don't come to school next week
there's nothing we can do.
Don't worry.
Now I'm ready to return to school.
You surprised me!
What is it?
I have something to
say to Lee Kang-jin.
But I can't find that idiot.
Why are you asking me about Kang-jin?
- I don't take orders from him.
- Are you sure?
That's what everyone thinks about you.
- Who said that?
- Why are you mad?
If it's not true that's fine.
Hi Man-soo?
It's been a long time.
- Man-soo?
- Yeah?
How much do you get
from working for Kang-jin?
I'm not working for him
I'm his strategic partner.
We divide shares.
Don't lie to me.
How do you know he's
really dividing the shares?
Doesn't he go to meet
the loan shark alone?
I don't think you're
getting enough money.
He's probably making all the money.
- He's lying to you.
- He's really something.
Giving debt to everyone at school.
Damn.
I should have known
that loan shark first.
What a shame.
I envy you Man-soo.
Making easy money and
gangsters supporting him.
Kang-jin!
Let's go have lunch.
I slept late counting money.
You have to eat something.
Get me some bread.
Can't you see I'm sleeping?
Hey Lee Dong-hae.
Hey!
Get me some bread and milk.
What?
Go and get me some bread and milk.
What are you saying?
I'll help you.
Settle it first with this money.
Let's become friends again.
You're really disgusting.
Don't talk to me again.
Hee-won what are you doing?
- Hey!
- Stay still.
Crazy girl.
Give it back!
- She's strong.
- Please!
What are you saying?
Look at this.
Damn it.
Oh, so many people.
Give me some more time to pay back.
Hey!
- Are we charity like UNICEF?
- No.
You said that you needed money.
Do you think I'm that easy?
- Damn it.
- I think he can understand.
Hey!
It's been a long time Oh Nam-young.
How have you been?
I needed the money
but it's frustrating to pay it back.
How many people lend
the money in your school?
Almost everybody.
What if you don't pay it back?
Damn, I don't want to get beat up.
I think there's a way.
It's not enough.
- What's the problem?
- He'll pay tomorrow.
But the deadline is today.
I cut him some slack
because he's my friend.
This is business don't get personal!
He said he'll pay tomorrow.
Hey, we're not lending
money for game money!
Collect the money today!
Are you losing your mind?
- You want me to divide areas?
- Yes.
Since we're covering too much area
it's difficult for
Kang-jin to care alone.
We can't refuse the customers.
It's more efficient to divide areas.
I think it can save his trouble.
You're a traitor.
What?
Are you trying to trick me?
You just want to make more money
I'm just worried about
Kang-jin as a friend
I'm worried about you.
- Hold on tight, it's going to hurt.
- I'm just his friend.
- You can get hurt.
- You're right!
- What's right?
- What you said is right.
I wanted to make more money.
It's the truth.
You know...
I hate people who betray friendship.
- I'm sorry.
- But...
I really hate people acting like
a gentleman in front of money.
- Do you understand?
- Yes.
Sit down.
- Me?
- Let's talk business.
- Explain it to me.
- Yes.
Kang-jin can take care
of Geumwha High School.
I have a good idea for
not paying back the money.
Will you trust us?
- Really?
- We don't need to pay back?
- I told you to believe me!
- I'm so excited!
I'm not going to pay back the debt!
Hey, what's this?
It's exactly what it
says in the message.
What?
It's difficult for you to
take care of everything.
You looked tired.
I told him so you can work more easily.
I'm really disappointed.
I thought you were going to thank me.
What is this?
He's crazy.
Kang-jin what's up?
It was the boss's order, what can I do?
If you guys have problems,
solve it by yourself.
Hello?
Damn it!
- Were you still here?
- Yes.
Sorry, I'm in a hurry I'll call you.
This is so easy.
Everyone's so cooperative
because they don't have to pay back.
Do you think the loan
shark will let it go by?
- How much are we short?
- About 50%.
What should we do?
We have to tell the boss.
Will he understand?
Since it's our first time
maybe he will forgive us.
- Start calling!
- Okay.
I have something to tell you.
Can you postpone this settlement?
I have some problem,
but I can solve it.
Are you crazy?
Are you really crazy?
- What?
- Who said you can postpone?
- That's not the reason.
- Are you crazy?
I'll calculate the
interest from tomorrow
so bring me that money
quickly or you'll be in trouble
I think you're
misunderstanding something.
You're the debtor and I'm the creditor.
Never forget that.
That's not what I meant.
Shut your mouth!
A student in a private loan business?
You need a better lie than that.
It's the truth.
- Believe me, stupid.
- Stupid?
- Do you know where you are now?
- There's a Lee Kang-jin Loan!
The world is coming to an end.
Young students crazy about money.
What are you trying to
be when you grow up?
Ouch! I'll walk by myself!
Another high school student?
Is this a high school reunion?
- I don't know.
- Hey! Sit here.
- Go and sit there.
- Sit down.
Don't play around,
let's finish this quickly.
How can you take money from others?
I'll get in big trouble if I can't
pay back the private loan.
Private loan?
It's called Lee Kang-jin Loan.
What's Lee Kang-jin Loan?
Officer, don't you know Lee Kang-jin?
Lee Kang-jin from Geumwha High School.
He lends private
loan to other students.
Private loan by a high school student?
I'm telling the truth!
He's just a normal student
but there's a loan shark
and gangsters helping him.
You still can't trust me?
I'll show you proof.
Look.
From what's going on,
it's time to get started.
Collect 5 million per person.
But we already collected
most of the money.
Do you think the parents will
let their child get in trouble?
You're right.
Speed is most important.
Go and collect the money quickly.
- I understand.
- Yes, boss.
Who is it?
Your son borrowed
money and didn't pay back.
What are you talking about?
This is a bond of debt, and
you have to pay 5 million.
How can 500,000 become 5 million?
Damn it!
All he needed to do was
kick the ball into the net!
I already paid it to Lee Kang-jin.
To Kang-jin?
Why did you pay our money to Kang-jin?
- The bond of debt.
- Thank you.
- Is it right.
- Yes.
Thank you Let's go.
- Hey, Lee Dong-hae.
- What?
- You owe me, right.
- Yeah.
Pay me now.
- It's until next month.
- It's urgent!
- I'll give you a discount.
- I don't have it now.
Just give it to me!
I don't have it now!
Kang-jin.
Do you really have to
do that to your classmate?
Are you a loan shark?
Wake up.
I'll give you more discount.
- You're going too far.
- What?
I don't need to pay now.
Are you a loan shark?
Do I look like a pushover?
Damn you!
What's with that attitude now?
You're the one who needed the money.
Do you know what happens
if you can't pay back?
Kang-jin what are you doing?
We're just talking.
It's none of your business.
What should we do about this?
Da-young is stealing, and her
boyfriend is lending private loan.
It's not easy.
We have to solve this case.
We have to send to
the prosecutor's office
I can't help you at that point.
Da-young?
You shouldn't think too much.
It's been a long time, Rang!
How's business?
I heard you're making
money out of students.
Are you that desperate?
It's none of my business.
You need to lay low for 2-3 weeks
I'll clean the mess up nicely.
You know who I am
I'll make sure you
won't get into trouble.
As long as you pay up.
What's happening?
- Nobody's answering!
- Damn it.
Are you trying to hide by yourself?
- Who is it?
- Everyone.
You really didn't know?
For those who already paid.
Rang threatened the
parents to collect 5 million.
You've been exploited.
Hey, Shin Da-young!
So this is the palace of our princess?
- It's impressive.
- I'm disappointed.
You've been acting proud all that time
but you were talking behind our back.
Why didn't you say
that you needed a guy?
Are you having fun?
Playing detective?
I forgot to show you this.
It's so difficult to see my girlfriend.
Why are you talking so mean to her?
Da-young?
I think there was a misunderstanding.
What misunderstanding?
Why am I your girlfriend?
Stop being such a jerk.
Do you really like her that much?
What?
A jerk?
Are you crazy?
Do you think we're friends?
This is what happens if
you're nice to pitiful girls.
- I'm sick and tired.
- Hey.
- Don't go.
- You slut!
Get lost!
I'll just turn myself in.
What? Da-young, you...
I'll receive the
punishment for my crime.
I just stole the money.
I have the name and number
of those who I stole from.
Also, my conversation with you
it's all recorded.
What? Wait a minute... Hey!
It's all finished.
Kang-jin?
- Damn it.
- So pathetic.
How was that short
feeling of being rich?
Was it you?
Acting smart all by yourself
and now you knew it?
It's not easy to become a leader!
You should have listened to me.
Let's go back to Kang-jin
who did my homework.
Get on!
- Get them!
- Move!
Thank you.
Why did you call me?
- Don't you know?
- About what?
Once a betrayer, always a betrayer.
You're ignored me first.
What?
Damn it!
This is all because you ignored me.
Stop it!
Does that matter right now?
What about your side?
They're not answering my calls.
That bastard is hiding.
It's all because of Oh Nam-young.
Bastard!
I ruined it all.
It's better that way.
What are you talking about?
How long were you
planning to do the business?
We're in trouble get on the bike!
Just run!
Who is this?
Hey, come here!
- Damn it!
- Go find the rest!
Hey!
Come on!
Damn it!
You can't catch Kang-jin.
Idiots.
Stop talking stupid!
What's wrong?
I think we're in trouble.
Man-soo!
Hey Man-soo!
Man-soo!
Should we go to the police?
What?
Have you ever heard
about conditional sex?
I was caught doing conditional sex
and the detective came to our house.
Unfortunately I met a bad guy.
But I didn't actually
have sex with them.
I just stole the money
from their wallet.
It is a crime.
Is that a crime?
You punished bad guys.
Look at what I did.
It's going to be late,
you should go home first.
Do you want me by your side?
Man-soo's parents will be here soon.
Go home.
All right.
Good-bye.
I don't want to give
it to Detective Choi.
Who's calling?
Did he hear what I said?
- Yes, Detective.
- Are you busy?
What's with the hurry, Detective?
I was just counting your share.
No, I need you to do a favor.
What favor?
Lee Kang-jin's girlfriend Shin Da-young
she's threatening me.
So if I solve your problem,
you will solve mine, right?
What happened?
- Let's have a drink soon.
- Sure
I'll make the preparations.
Yes, Bye.
Idiot.
Okay.
Loan Shark is at Da-young's house
Boss, what should we do?
Your phone.
Yes, Boss.
How dare you!
Here it is, Boss.
This smartphone is a problem.
You can do everything with this.
You can't say whatever you want.
There are gangsters at
Shin Da-young's house.
You guys are all in trouble.
There are gangster at
Shin Da-young's house.
Da-young!
Da-young!
He'll break the door.
Are you Iron Man?
Kang-jin!
You stupid!
Kang-jin, are you all right?
Kang-jin.
Why are you doing this to Da-young?
- Just harass me!
- Harass who?
Do you think I have a lot of time?
You two made things worse.
All you needed to do was
sleep with Detective Choi.
Our business is finished, right?
I made some money thanks to you.
You traitor!
Kang-jin.
This is how you make money.
You can't earn it honestly.
It was you guys who needed the money.
You bastard.
Do you really want to die!
Who are you?
- Boss?
- Knife!
Boss is bleeding, call the ambulance!
We don't have time!
Da-young, get up.
Da-young, we have to go.
Call the ambulance!
- Ambulance!
- Blood!
You two made things worse.
All you needed to do was
sleep with Detective Choi.
Our business is finished, right?
I made some money thanks to you.
Kang-jin.
This is how you make money.
You can't earn it honestly.
It's really boring.
Nam-young let's start.
What do you think
happiness is?
What are you doing?
What is it?
Isn't it Nam-young and Shin-ji?
What are you doing?
Nam-young wasn't dating Da-young?
- It's Nam-young and Shin-ji.
- Big news!
What's wrong?
- What is it?
- Is that Shin-ji?
Hey, it's Shin-ji!
It's raining!
The ocean reminds me of my childhood.
What was your dream?
President.
Why are you laughing?
- That was your dream, too.
- You're right.
I thought I would really
become a president.
But now...
I don't think I can
graduate high school.
Do you think we can go back?
Epilogue
I'll do a good job.
Spit out the gum before you answer.
I'll do a good job.