Here are the first chapters from my Story about a young boy Stephen, just turned 18 and deeply in debt.
He is pointed to Synergistic Learning for Advanced Value Eexcellence. An institution that helps young people who tend to land at the bottom of society, to become serving citizens.
Deeply in debt.
I had a miserable life, being an orphan, living in an orphan home and being named an idiot, useless, no good, dumb and a fucking moron, that doesn’t help you.
Also I had been stupid I guessed, because at 16 I had found out it was pretty easy to lend money, and since I had no income and had no money, I had borrowed a pretty lot of it.
Turning eighteen only made it worse.
Now I am an adult and now all my debts were registered at the ‘BKR’ the Bureau Krediet Registratie (Bureau of Credit Registration) and when you’re eighteen and apply for a loan, your data is checked with the BKR.
I received a shitload of emails, apparently companies bought data from the BKR and there were a lot who offered me a loan, even or especially because I was listed.
I also received something else, emails from some company named Synergistic Learning and at first I Ignored them.
But then I also received ads about them and a nice glossy folder was sent to my address in the orphanage. Oh, another nice thing, since I was now an adult, I had to pay for my food and shelter there.
I read the folder once more.
Transform Your Life with Synergistic Learning and Advancement for Value Excellence.
Are you a young adult, aged 18 or 19, drowning in debt and feeling utterly alone? At Synergistic Learning and Advancement for Value Excellence, we understand that some people just can’t manage their finances or build a social life. But don’t worry, we’re here to offer you a lifeline and a chance to redeem yourself through our innovative programs and dedicated support.
A Legacy of Empowerment
Founded in 1863, Synergistic Learning was established to uphold the values of dedication and service that were highly regarded in earlier times. We believe that the principles of commitment and hard work are timeless and essential for personal growth and societal advancement. For over a century, we have been committed to uplifting individuals who have made poor financial choices, helping them overcome their self-inflicted obstacles and reach their full potential.
Why Choose Synergistic Learning ?
Debt Relief: Our unique programs are designed to help you manage and eliminate the debts you’ve foolishly accumulated.
Personal Growth: We provide the resources and support you clearly need to succeed.
Community: Join a network of individuals who, like you, have struggled to make sound financial decisions and have no social life.
Confidentiality: We respect your privacy and provide a safe, supportive environment for you to rebuild your life.
Who We Are Looking For
We are seeking individuals who:
Are aged 18 or 19 and struggling with significant debt due to their own poor choices.
Have no educational background or prospects.
Have limited social connections or support networks because they’ve alienated everyone.
Are desperate enough to change their circumstances and achieve success.
Our Unique Sponsorship Program
At Synergistic Learning, we believe in providing comprehensive support to ensure your success. After joining our program, we will match you with a sponsor who will guide you through your journey. Our sponsors are dedicated to helping you achieve your goals and will provide the necessary resources and mentorship to ensure your success. This special opportunity also includes a grateful internship with your sponsor, setting you on the path to a brighter future.
By joining Synergistic Learning, you will be relieved of the burden of making difficult decisions, as our structured program will guide every step of your journey, ensuring you stay on the path to success.
Join Us Today
Take control of your future with Synergistic Learning and Advancement for Value Excellence. Our programs are designed to help you overcome the financial mess you’ve created and build a brighter tomorrow. Don’t let your poor decisions define your life—let us help you unlock your true potential.
Contact Us
Visit our website or call us today to learn more about how Synergistic Learning can help you achieve financial freedom and personal growth.
It was a slightly strange and pretty harsh folder, but well, I had made some dumb choices so the possibility they were able to help me seemed to be there.
So I contacted them and was sent a questionnaire and filled it in.
Besides the questions about my social status, contacts and family-relations, I also had to describe my current situations with numbers.
It had started at sixteen when I had wanted to get my hands on my driving license. At sixteen I started my theoretic exams, at 16 and a half I started driving and just yesterday I had gotten my license. The only problem was that I was in severe debt. I needed to pay 5000 euro for the license. I also had some outstanding fines, like traveling without a proper ticket on the trains, seven fines for shoplifting because I just needed new underwear that time.
I wanted to go to college and that also cost me more than 3000 euro. Also all my clothes and my phone subscription, I had used systems like Klarna and After-Pay. I had even arranged two different credit-cards so I could buy nice things for myself like a little laptop.
And lastly, the orphanage now wanted to see money from me because, well, I was an adult. And believe me, I had tried to get a room, but I had no money.
Beside my financial records there were also stranger questions, like at what age had you lost your virginity or are you still a virgin. Yeah, I was still a virgin.
Did I like men or women, or both? Ehm, I honestly didn’t know.
Meeting Synergistic Learning
Next I was called and an appointment was made with me.
A male voice told me he wanted to meet me in my hometown and he asked me what place would be the best.
I knew of a little bakery where they also made nice sandwiches and offered that to him. He agreed. I had to be there at 11:12 sharp. A strange time, but well, I could make it.
I needed to bring all the paperwork with me I had, especially about any debts and costs. And since I had told them I was in an orphanage, they also told me to get transfer-papers and bills, everything I needed for an application for them.
So my backpack was filled with everything and at 10:45 I was already there.
There was one customer in the bakery, a stern looking man, drinking a coffee and eating a chocolate roll.
“Excellent Stephen. You are on time, more than a little even, perfect.”
Oh, no way, had this been a test. Well, I was glad I had arrived on time.
“Hello Sir, yes, I’m Stephen. You are from Synergistic Learning.?”
“Yes my dear boy. I had some spare time and I hoped you would be early. So, what’s in your backpack? Can I have it.?”
I handed him the papers, my subscriptions, bills, orders and the transfer-papers.
He took the last ones, took a paper from his briefcase, jotted some numbers on them, took out a calculator, looked at my papers once more, jotted another number and checked some boxes. Then he signed those papers.
Next he thumbed through my bills, using the calculator frequently.
“Well well Stephen. 16.000 euro and some change. You know, if you go to college, this and your school debt will easily be 30.000 euro in 4 years. Then you’ll need a very good job to pay it off in some years, because with the interest, this will be hell.
So what if you start to work, unschooled, you may be able to pay 2 or 3.000 per year? Maybe even 4. So in five years you could be debt-free. But you will remain unschooled, working production-jobs, and you won’t be able to buy a house at all. You screwed up, or is it the system that screwed you up?
We at Synergistic Learning and Advancement for Value Excellence believe that young people like you are the victims of this era. In the last 170 years ago, people like you were lost from sight. Forced to dwindle, find their own way, but many must have perished.
So our organization is using knowledge from the past and putting that knowledge to a good cause in the here and now.
What we do is find those like you and we simply educate you, using that old knowledge, but of course in a modern setting.
Now, educating you will cost us money, especially when given the fact that we will nurse you, feed you and provide a home. Now we have sponsors and those sponsors will provide the most money for you during the education phase.
After that phase, you will be obliged to, well, simply said, pay back that sponsorship.
Also, if performance is going well, you will also earn money, and after a couple of years, different per person, you will be free to roam the world, our country, wherever you want without any debts.
Do you understand all this, youngman?”
“Ehm, I get schooled, learn, then work for a sponsor and then I earn money and then I’m free to do whatever I want with my education?”
“Yes, basically that is.”
“And what kind of education will this be?”
“Well, mainly that is at the discretion of a caretaker and the sponsor.
A caretaker will help you and school you with the basics, but custom-made basics. You will be able to write your biography, telling what a fine youngman you are, what your skills are and what your desires are. Then a sponsor reads that biography and he, or she, will then pay for your further schooling and education.”
“But what if I want to learn to program stuff like games.?”
“Well, if that is in your biography and a sponsor sees that as a possibility, he will grant you that. And most sponsors also allow a side in your education. You will be able to discuss that with a caretaker once inside with us and of course with the sponsor, also what the terms will be.”
“An extra debt? Like that?”
“Well, that depends of course on your sponsor.
Now, I must also inform you that if we don’t find a sponsor for you, your education will be determined by us, but it will always be in both our best interest. And later, a sponsor could always step up for you and well, arrange the rest like we just told.”
“Okay, ehm, do I need to decide now ? Or can I wait another week.”
“Well, we prefer that you decide sooner than later. If you decide to join now, we will go forward to the orphanage, pay off your debt there. Next we will take care of all your debts and of course of you. You will then be in our custody, under our care and we will give you a couple of days time to rest, then we will do some tests, physicals, exams etcetera, just to determine your health.
That will also give us time to call in the sponsors and let them decide if one of them takes you on. The only thing you need to do is sign here.”
“Ehm, and what if someone comes to me and tells me I owe him money and that is not written down there in the papers. Maybe I forgot something?”
“Oh, I do hope you didn’t forget anything, because your debt is already pretty high. But we will take care of it, as per our agreement.”
He took another bite of the chocolate roll.
“Oh Stephen, one more thing, I am free to offer you a bonus of 250 euro now if you sign the contract here and now. You have read everything on the site, you have answered the questionnaires, and frankly, looking at the debt you already have created and the impossibility in your future to pay it off, I would suggest, take that money and sign.
With that BKR-notation the only people who will lend you money are loan sharks. And they tend to get pissed off when you don’t pay them on time.
With us, we promise that you walk away debt free in the end, being well educated.”
I thought, should I do it? The loan-shark image, yes, I had already thought of that, and this gentleman, yes, okay, yes, I would do it.
“Okay, let me see the contract.”
He placed three sheets of paper in front of me and next to it a thick booklet of about 100 pages.
“This is the contract and these are the addendums. It mainly consists of behavioral rules we follow at Synergistic Learning. It’s just mainly some legal talk, what do we do with a conflict, what can we expect from you, what can you expect from us.
And for example, if you want to stop our venture, how will we then transfer the debt to you in a secure and proper way. Or suppose you have a conflict with a caretaker. We have set up all kinds of rules, we just want it all to be documented in the best legal way possible.
So feel free to read through all addendums, but first please the contract.
Then the addendum, and then please sign the contract.
I took the contract and read it.
Debt Repayment Agreement
This Agreement is established by Synergistic Learning and Advancement for Value Excellence, hereinafter referred to as “the Company.” It is executed by:
[Subject’s Name] (hereinafter referred to as “the Subject”),
and on behalf of the Company by:
[Collector’s Name] (hereinafter referred to as “the Collector”).
The Collector, an agent in the service of the Company, has proffered this contract to the Subject.
1. Access to Information The Subject shall grant the Collector unfettered access to both their financial and personal circumstances, enabling the Collector to ascertain the extent and nature of the Subject’s indebtedness.
2. Preliminary Assessment and Offer Upon receipt of all requisite information from the Subject, a preliminary assessment will be conducted, culminating in an offer presented to the Subject. Should the Subject accept this preliminary offer, the agreement may be executed forthwith, thereby becoming legally binding.
3. Debt Assumption Upon execution, the Company shall assume responsibility for the Subject’s debts, with the Collector ensuring prompt payment to third parties. Debts of a personal nature will be settled by the Collector in cash and subsequently added to the Subject’s overall indebtedness.
4. Provision of Food and Shelter The Company will graciously provide the Subject with food and shelter, ensuring their basic needs are met. However, the Subject should be aware that these provisions are not without cost, as they will be added to the Subject’s overall debt. The Subject will also be assigned a Caretaker, who will oversee their training and ensure they are adequately prepared for future opportunities.
5. Right to Sever Ties The Subject retains the right to sever ties with the Company at any juncture, albeit remaining liable for the total sum of the settled debt. The Company expresses its aspiration that the Subject will remain within its fold, availing themselves of the training, medical care, and secure accommodation provided.
6. Synergistic Learning Model The Company posits that its Synergistic Learning Model will equip the Subject with essential skills, facilitating their advancement in life. To address the debt, the Company will solicit one or more sponsors to assume the Subject’s accumulated liabilities. The Subject will then repay the sponsor(s) through monetary means and services, as delineated in the Subject’s Biography.
7. Skill Acquisition Should the Subject enumerate a skill not presently possessed, the Company will assist in acquiring said skill, with any additional fees incurred being appended to the Subject’s debt.
8. Sponsor Agreement Upon securing a sponsor, an agreement will be forged among the Sponsor, the Company, and the Subject regarding debt settlement. The parties will endeavor to establish terms enabling the Subject to earn wages sufficient to repay the debt, with the Sponsor providing adequate sustenance and shelter, the costs of which will be added to the Subject’s debt.
9. Continued Enhancement and Training If the Subject remains under a Sponsor’s care, an agreement may be reached with the Company to continue the Subject’s enhancement and training, with costs apportioned between the Sponsor and the Subject.
10. Full Repayment and Future Options Upon full repayment of the debt to the Sponsor, the Subject may elect to either sever ties with the Sponsor or remain, with wages and upkeep continuing as before. Alternatively, the Subject may return to the Company to seek a new sponsor.
11. Amendment of Biography Should the Subject fail to secure a single sponsor, the Company may amend the Biography to facilitate the identification of a suitable sponsor or attract multiple sponsors.
12. Interest Rate The Subject’s accumulated debt, borne by the Company, will be subject to an interest rate determined post-assessment. This interest will be added to the debt, with the specific rate contingent upon various factors but not exceeding the prevailing maximum rate. Should the Subject depart from the Company, a higher interest rate will be applied.
13. Conduct Rules During the Subject’s tenure with the Company, several rules will govern the conduct of the Subject, Collector, Caretaker, and the Company. These rules are delineated in the addendums and are freely accessible.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written.
[Company Name]
By: __________________________
Name: ________________________
Title: _________________________
[Subject’s Name]
By: __________________________
Name: ________________________
Next I took the hefty block of amendments and skipped through it, it was a horrible old fashioned font. Okay, he received a bonus for bringing me in. Well, I couldn't argue with that of course. I skipped it halfway.
“What? Mandatory birthday celebrations.?”
“Yes, of course, you need to learn to celebrate life, aging, becoming wiser. Some people didn’t like it so it was put in an addendum, we believe celebrating together is important. “
I skipped further to the end. An addendum where they wrote it was their goal to make me a valuable member of society. I looked at it and put it away and asked for a pen.
I signed two copies, and then he did the same.
From his pocket he counted 250 euros from a stack of 50’s and handed it to me.
“Now, go to your place, sign over the release. I will pay those debts immediately and you get all your stuff and we go off.”
Leaving the Orphanage.
And so we did.
In the orphanage he talked to the clerk, showed the papers and asked for my transfer.
The clerk, a real asshole, didn’t care and I walked to my room. I had no real bags so I asked for some garbage bags and I put my stuff in it. My clothes, my magazines, also the ones I’d rather destroy than let anyone else know about. One was a gay magazine I had once found in the woods. It was called Twink and consisted of young males in all kinds of sexual positions. The other was an SM-magazine, lots of leather and ropes. I had looked through them more than once, getting off on them. I thought it was best to toss them in the trash. When I was ready I walked with the bags outside, but before I could toss the magazines out the man had loaded them in the car, held the door open and we left.
He didn’t talk much in the car, neither did I. We arrived at some sort of hotel and a servant from the hotel opened the door. I wanted to get my stuff, but he ushered me in.
I was brought to a room.
“Now youngman, please go behind the screen, undress and let me collect all your clothes. We will wash them and use the measurements for fresh fitting garbs.
Behind the screen is a door to a shower-room, shower please, and then there’s another door, there will be a bathrobe or something for you, and some food, refreshments. One of our caretakers will then meet you and bring you to your room. Is that understood? “
“Yes sir.”
I went behind the screen, took off my clothes, handed them over via the side and stepped into the bathroom.
It was heavily scented, smelling of roses, lilies, or I don’t know.
I stepped under the shower, looked at all the bottles of shampoo, chose some, soaped up and it felt delicious, invigorating.
When I was ready, I saw shaving cream and a razor. I decided to shave my beard, well, the little that grew there.
When I was ready I thought about my armpits, yes, I shaved them too. I had shaved them before, but razors were expensive at all the hair that jammed up the blades so quickly.
After shaving my armpits, I looked at my chest. Well, why not. Some shaving cream and another new blade and the few hairs I had there were gone.
I was on a streak and the supply of blades was unlimited. I did my legs next and when I was near my crotch, I thought, why not. I remembered the magazines where the boys were smooth all over.
I liked that and well, with an unlimited supply of razors, I did some swipes and now my cock was shaved clean.
I looked at myself in the mirror, nice, a job well done. Ah, a toothbrush, good. A quick brush and now I was ready. I took the towel and wrapped it around my body and walked into the next room. Yes, a rack with bathrobes, various lengths, but why were they all pink?
Oh, wait, the left rack was pink, the right rack contained white ones. I took a white one and dropped the towel.
When I had the robe on, I took another look at the pink ones. The white one was just plain cotton, kind of rough on my skin, especially the parts I had just shaved.
I touched the robes, felt the softness of the cloth, wow. Well, maybe I could fit one on?
Or not. Or maybe take that thin one, It was more a teddy or what do they call it. and then I would wear the white one over it. Well, yes, maybe.
I took one and measured, yes I could fit in it. Oh wow, soft, refreshing, cooling, so much nicer than the rough white cotton.
I touched another one, also so soft. That one was a little more sexy, lower cut. Not practical.
Oh, now I saw one that was a little more clingy, tighter, maybe I could wear this one invisible under the white one?
Yes, I would try it, and after a minute I was very pleasantly surprised. Nice.
Now I took a white robe and put that over it, but it felt so wrong, that harsh cloth. They were all so rough. What if I found a bigger pink robe and put that one over this. Because I liked the feel.
Well, no, but at least, let me try it once. So I did. I looked at myself in the mirror, nice, and oh, such soft cloth.
Suddenly a door opened and a woman stepped in.
“Mr Stephen, I’m waiting, please join me. Oh, I see you’re dressed. Nice. come over.”
Ehm, well, oops, busted.
"Eh sorry, miss."
“Come, don’t let me wait.”
Oops, not good?
I shuffled in the next room and sat in the chair she appointed me to sit in.
“Well Stephen. We’re glad you decided to join us. Now, I’ve read the questionnaire you filled in. And I’ve got some questions, but let me first ask you, why the pink robe and not a white one?”
“Ehm, I had one, but it was coarse, and these were, well softer. especially because my skin irritates a little when I shave.”
“Shave, but your face is not covered. “
“Ehm, I shaved my body hair also.”
“Oh, that's interesting. Okay, what did you shave?. Your chest?”
“Ehm, yes, my armpits, and ehm my legs.”
“Anything else,?”
“ehm, my privates.”
“Okay, nice, well, I must commend you on being honest. That is always a plus that gets sponsors rooting for you.
Now, we would like to get the next set of data from you, bank-data, credit-card, online shopping data, social media accounts, well, actually anything.
Now, we have noticed a password on your laptop, we would see it as a token of trust if you give us the code. We can simply brute-force it, that is no problem, but as we said, we prefer honesty.”
“My laptop? ehm, I’ll give out the data for the bank and shopping, but ehm, my socials? And Laptop? Is that necessary ?”
“Well, it is in the contract, you signed it. So not handing it over is a breach of contract. Now, in this phase, we won’t charge you for anything you enjoyed, but do understand you have been signed out of the orphanage. And hey, we’re already talking about a huge debt we will help you fix here. So, see it as a mutual trust. So yes, please hand it over.”
“Okay, the pin is 6397 and the code is ehm. Maybe I can get access to my computer and then unlock it and let you change it.?”
Her silence said enough.
“Fuckm3h4rd3r!, the e’s are 3’s and the a is a 4 with an exclamation point.”
“Interesting password.
Now please, we need to scan your fingerprints, that is both for access to several parts in the facility here, a scan against criminal records and well, just to complete your profile.”
I sweated a little, I had stolen some stuff in the past, and I never had bothered with gloves. Now the chance that these were on record.
She placed an intricate device on the table and then she helped me scan finger per finger.
“Good, now, for the next two days we will peruse all data, calculate the debt, cancel debtors if possible, subscriptions and cancel any socials you have.
For the rest of the day, please enjoy, relax, read, watch tv, play a game, just relax.”
She nodded.
“Goodbye Stephen.”
She stood up and pointed me towards a door. There were several but she pointed me to one. I opened it, stepped inside and the door clicked. There was no doorknob. I couldn't get out.