Michiru Kita possesses the eerie ability to foresee people's impending deaths through a spectral ring encircling their necks. When she encounters two classmates with pitch-black rings, Chika Akatsuki and Shito Tachibana, she uncovers their startling secret: they are living on borrowed time, sustained by an enigmatic entity known as Zombie-Loan. Bound by a grim pact, the boys must eliminate the undead to settle their debt. Upon discovering Michiru's unique 'Shinigami Eyes,' they entangle her in their perilous existence, plunging her into a realm where the boundary between life and death blurs.