He shook his head. "I became a doctor, but I haven't earned a single cent. The principal and interest have already snowballed to at least 700,000 to 800,000 USD."
"But I'll pay it back slowly," Michael said, full of optimism. "A doctor with five years of experience can make at least 200,000 USD a year. By then, I'll still have plenty left over. I'll move Mom and Kevin out of the South Bronx, and who knows, maybe I'll even be able to afford a big house in Dyker Heights like you."
"I'm sure you can do it... We're here," Li Wei said. "If things get really tough... you can give me a call."
"Thanks! As long as I can manage," Michael laughed. "But if I do end up having to ask you for a loan, could you give me a lower interest rate? The rates on these loans in the United States of America are just insane."
"Of course," Li Wei nodded. "Merry Christmas."
"Merry Christmas!" Michael hopped out of the car.
...
「At the same time, in an alley several blocks away.」
