From Apocalypse To Entertainment Circle (BL) - Chapter 23: The Siege

Earth's youth, Chen Jichuan, tragically dies in a car accident and is transmigrated into an Immortal Hero world, obtaining the Supreme Skill: [Dao Fruit].Everything starts from ‘Dao Fruit’...

“Alas, this life is a failure; let’s see what the next life holds.” ... “The second life has ended, calculating results... Final rating: C+. Rewards based on rating: You may choose to inherit one item from Constitution, Skill, or Talent. Please select?” “Hmm, I choose to inherit the Talent ’Dynamic Vision’.” “Talent inherited... Congratulations on achieving the following lifetime achievements: Innate Grandmaster; Blessing of Many Offspring (10/10)” Achievement rewards: Two random rewards. You may draw from Constitution, Skill, or Talent, or choose to upgrade Talent level. Please select? ... A reborn individual, in possession of the treasure ’Hundred Lifetimes book’, reincarnates within the Cultivation World, undergoing endless cycles of rebirth without the bloodline ending or the soul perishing! The family he established ten thousand years ago has now grown into a massive entity that spans the heavens. The disciple taken in casually eight thousand years ago ultimately became the founder of a Great Sect in the Immortal Realm. The pet raised three thousand years ago has evolved into an unparalleled Demon Saint of the Otherworld. ... I am Zhao Sheng, and I shall cultivate life after life until Ascension!

Before going to college, an ordinary high school student went to celebrate and got drunk. When he woke up, he found himself in a completely different world. There was a big sect, the approaching sect entrance examination, a slum where his body’s previous owner lived, and a shared memory about a missing young girl.

When he got tangled in a fight with a few punks in this different world, he fell off a cliff and miraculously found himself still alive, with two more voices ringing inside his head. They were Sword Master and Saber Master. In the company of them, he continued to find out more about this whole new world. He took the sect entrance examination, entered the sect, met a strange man in black, and even participated in a major competition of the sect to have a chance to win over his peers!
In this whole new world, he was born again and got to explore the fantastic martial world!

- 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.