MTL - Doomsday: I Have One More Keyword Than Others - Chapter 142 heard i.

I started off as nothing, just a mass of consciousness that slowly evolved. Just your average overpowered existence hungry for a multiverse adventure.

Amamiya Hiroto is unlucky. His life consisted of misfortune after misfortune, culminating in an unlucky death during an incident on a school boat trip, trying to save a girl he barely knew. After death, he met a god of reincarnation who requested that the hundred or so dead passengers—one of them being the girl he tried in vain to save—be reincarnated into another world.

An ordinary youth living in the year 2050 in the Western calendar accidentally came to a fantasy world created by the collision of magical elements and supernatural technology at the other end of the dimension…

- Description from novelbuddy

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.