Repayment Plan

Author's note: Please be advised, this story contains non-con and dub-con elements, as well as some transphobic, degrading language which could be upsetting to some readers. All characters featured are over 18.

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Daniel was due for another check-up at his doctor's practice. He had them a little more frequently than most, being a trans man with more complex medical needs than the average healthy person. He'd been on testosterone for a little over five years, had had his top surgery over a year ago, and considered his transition from female to male to be wrapped up at this point, legally and medically, while choosing not to elect for any kind of bottom surgery. His once intense bottom dysphoria had dissipated entirely, so he felt no need for further surgery.

Although he didn't particularly like the occasionally invasive tests, or having his blood drawn every six months, he was a responsible adult and wanted to make sure his body remained healthy.

After finishing a long day at work, he was sat in the empty waiting room late in the evening, scrolling through the news on his phone. One headline caught his attention: "Government's newly launched debt management app 'TransOptimum' could wipe out transgender medical debts."

Daniel had heard a little about this. He hadn't looked into it because he didn't think it was going to be launched so soon, but here it was. Conscious that the screen in the waiting room could ping with his name at any time, he began quickly scanning the article.

Unlike some other countries, medical transition wasn't free here. Instead of expecting the patient to pay a large lump sum for the cost of surgery, hormones, and the therapy and appointments needed for the initial diagnosis - as was once the case - the government had created a loan scheme wherein trans people having gender affirming operations and treatments could pay back the costs over a number of years. A monthly payment amount, large or small, could be agreed on to help those with unstable incomes. This meant that while Daniel could pick the best surgeon in the country to operate on him, he was now left with a hefty debt to the tune of $20,000. And despite working hard at his job, he had only been able to pay the bare minimum towards his debt between his bills, rent, his monthly prescription of testosterone, food, and his car suddenly breaking down every few months like clockwork.

Acutely aware of his monetary situation, he continued to read and discovered that money could be accumulated through the app, where trans people offered a variety of services to potentially generous customers. The funds would go directly to paying off the medical debts of the trans person. Daniel was intrigued. It sounded like at the very least he could earn small amounts of money for doing odd jobs. He wasn't sure if he'd have enough time to try it out much, or even what he was supposed to do, but it was worth a look and he did need the extra money. He scrolled down the article a little more until he found a link to the government website, which brought him to a page where he could install the app "TransOptimum."

Upon setting up his account and verifying his identity, an extremely long "terms of service" page popped up, which Daniel promptly scrolled to the bottom of without reading at all, and ticked "Accept." On his profile, he could select a picture for himself, state whether he was female to male or male to female, add his name and a short bio, and stipulate the amount of money he needed to pay off his debt, as well as automatically accept money over a certain threshold. Curiously, he noticed the app was somewhat empty. There was no search function to look for jobs being advertised, or even other users. Perhaps the app was still in beta, being tested, or awaiting new features. Looking through the settings, he saw that his location was already enabled. He tried, but he couldn't seem to switch off the permission inside the app. He thought little of it considering he hadn't uploaded anything onto his public profile other than his first name and status as female to male trans.

After a few minutes of exploring the app, it proved to be unexciting. Daniel didn't have high hopes for it; as a joke he set all payments above $499 to "auto-accept." He figured he might be the only person who bothered to download the app. Laughing to himself, he went back to reading the news. He was halfway through an article about the hidden faults of self-driving cars when the waiting room screen pinged and displayed his name, the doctor he was seeing, and which room he needed to go to. At the same time, and as he was getting up, his phone pinged with a notification from TransOptimum: "Pending: $500 from C. J. ..."

Daniel was confused, but barely had time to read it. He figured he would deal with it after his appointment, so he pocketed his phone and walked through the waiting room, and made his way down a corridor to the appropriate room.

He stepped into the room, and a tall, well-dressed white man of about forty got up and greeted him. "Hello, Daniel is it? Take a seat." The man closed and seemed to lock the door after Daniel entered. Daniel didn't notice. "Yes, hi. How are you?" Daniel sat on the chair next to the desk.

"I'm good, thank you. I'm Dr. Johan. Don't think we've met before. I've just started in this practice a couple of weeks ago and Dr. Turner has told me about your situation." Dr. Johan began looking over Daniel's patient records on his computer.

"Oh, okay. How are you finding it?" Daniel tried to make idle conversation as he looked around the room. There was a small, cushioned examination table for patients to lie on in the corner which was covered with a long paper towel, a privacy curtain around it, which was drawn back, and a small chair at the foot of the table. Dr. Johan turned to face Daniel again. "Good, good. So just a check-up today. No bloods for a few weeks. How are you feeling? Any symptoms?"

"No, no symptoms." Daniel shook his head. "I'm good, just tired." He chuckled.

"Now, you're my last patient today, so I can have some time with you. But I'll examine you first." Dr. Johan responded quickly, and typed a few things onto his computer before turning to face Daniel, who was a little confused by the choice of words. But he didn't question it, and just assumed he might have misheard or misinterpreted the doctor.

Dr. Johan quickly began taking note of Daniel's vitals. He did his blood pressure, checked his breathing, measured his height and weight, and had a thorough look at his throat, his nose, his ears and his eyes. Everything appeared to be fine, according to the doctor, who typed all of the results onto his computer, while Daniel watched, occasionally checking the clock on the wall. "Now... there's a slim chance of reproductive problems arising due to testosterone. You've been on it for five years, correct?" Dr. Johan looked back at Daniel expectantly.

"Uh, yeah, a little over five now."

"Your smear isn't due until next year, but it's best I have a look just in case, since you've been on T this long."

"Oh, I didn't think there'd be a physical today." Daniel stuttered a little. The prospect of a physical examination made him a little nervous, especially as he wasn't familiar with this doctor.

"Now, do you want to take your clothes off and get on the table?" Dr. Johan asked, as if he didn't hear the concern in Daniel's voice, or care, and gestured to the examination table in the corner of the room.

"Er, right. Sure." Daniel stood, the look of concern slightly visible on his face, and walked over to the table.

"All of it, please. And don't worry. I've had dealings with trans patients before, so you're in good hands." Dr. Johan said with a wry smile, before drawing the curtain across so Daniel could have some privacy to change. "Just put your clothes on the chair there."

"Right." Daniel said, and began to strip off his clothes, folding them neatly and placing them on the chair.

Typically, he'd only get partially undressed for an examination like this. He hadn't needed them much in the five years he'd been on testosterone. Only once or twice, and they were never sprung on him like this before. Still, he thought, it won't take long, and it's probably good just to check. Although he wasn't sure why this new doctor needed him nude if he was just going to examine his vagina. But Daniel shrugged it off, and when he was completely naked, he lay down on the table. "Uh, I'm ready now."

"Great." Dr. Johan said as he parted the privacy curtain and stood over Daniel by his sock-covered feet. From Dr. Johan's perspective, Daniel was a fit, slim, but slightly toned young man. His top surgery scars were somewhat hidden by the muscular definition of his chest, which was adorned with a dark patch of fuzz in the middle, that continued down to his belly button and below, stopping abruptly at his abdomen. His body was unmistakably male-looking. The only thing remaining that was at all female, was Daniel's neatly shaved, smooth mons pubis.

Daniel lay timidly on the examination table as a beat passed between himself and the doctor. Being so caught off guard, he didn't even remember that the previous examination of his lower half had involved a sheet which covered his dignity. There was nothing like that in this moment. He felt totally exposed.

"Now, I'm just going to check your chest first." Dr. Johan said as he stepped up to the middle of the table and began to press his finger gently across Daniel's long scar on his right side. "That's healed very nicely. But I imagine it's still numb." He said as his finger came to rest on the section of thin scar that was below Daniel's nipple.

"Uh, yeah," Daniel nodded once. "More-so near the nipple."

"What about this?" Dr. Johan asked, looking deeply at Daniel for his reaction as he gently pinched his right nipple between his thumb and forefinger.

"Uh. I can barely feel it." Daniel watched as Dr. Johan's large hands began to feel each of his defined pectoral muscles, perhaps checking for lumps. It was very rare to still develop breast cancer after top surgery, but it wasn't exactly impossible. Dr. Johan's hands almost seemed to massage Daniel's chest for a moment, and Daniel felt his breath start to hitch in his throat. His face was warming up. This kind of touch didn't feel as clinical as it should. But then, the doctor swiftly removed his hands."That's all good. Your surgeon did a wonderful job." Dr. Johan remarked. "Now," he began, and stood next to the foot of the examination table, fetching some blue latex gloves from somewhere beyond the privacy curtain. He put them on with a snap. "Spread your legs for me, please." He said unceremoniously.

Daniel swallowed hard, and slowly opened and bent his fuzzy legs, revealing his smooth, pink vulva to his doctor. "Very good." Dr. Johan said, and he started to gently examine Daniel's enlarged clitoris. He pulled back the hood carefully with two fingers, so that the head of Daniel's clitoris poked out completely. He looked at it for a moment, moving his fingers slightly to manipulate it. "Looks like you've had a good bit of growth from the testosterone," He remarked, more to himself than to Daniel. "Uh huh," Daniel replied, slightly breathy now. Dr. Johan began massaging the thick little shaft, and Daniel had to look away as a breath escaped him. Dr. Johan stared up at Daniel, but didn't say anything.

Then he turned his attention to Daniel's labia, which he spread open less gently. Daniel winced a little bit from the invasion, and his vagina visibly clenched. The doctor looked on, still not breaking the heavy silence. His eyes were trained on Daniel's exposed sex. With one hand, he kept spread Daniel open, and with the other, he traced around the entrance to his vagina with a single gloved finger. He rubbed the entrance of his hole in slow circles, and Daniel closed his eyes and let a tiny moan escape him. He gripped the sides of the table tightly, and the doctor pushed his finger inside Daniel.

The finger slipped in to the first knuckle with ease. Daniel was wet inside, and it was obvious to the both of them. "I have to check inside," Dr. Johan remarked, still not looking at Daniel. He began carefully feeling around the inside of Daniel's tight vagina, which gripped onto his finger. He wiggled it a little, he twisted it, he started rubbing Daniel's G-spot insistently, and finally looked up to watch Daniel's face as he began to squirm. Daniel was very conflicted. This felt so much more intrusive than any gynaecological exam he'd ever had. Was it even necessary? And at the same time, as much as he wanted it to end, Daniel was confronted with that fact that this incredibly thorough inspection, the invasiveness of it, and the slow way that the doctor touched him; it was all beginning to turn him on.

He let out a strained noise, his face now flushed. This definitely wasn't part of the examination, but he couldn't make himself say stop. It did felt good to have this man's finger inside him, he was horrified to admit to himself. "That doesn't hurt, does it?" Dr. Johan asked, a faint smile on his face.

"N-no, no," Daniel replied sharply. He lifted his head a little to watch.

"And what about this?" Dr. Johan asked as he began to move his finger in and out of Daniel's wet hole. Daniel didn't respond, he just lie there, breathing heavier, gasping and trying not to while the doctor increased the speed and depth that his finger penetrated him.

"Very good." Dr. Johan said. He added a second finger and slipped both of them deep inside. Daniel couldn't help but moan. His head fell onto the table again. "You're enjoying this, aren't you?" Dr. Johan asked mockingly.

"What are you doing?" Daniel tried to sound assertive, but it came out as a breathy moan.

"I'm checking you." Dr. Johan said matter-of-factly. "But I also paid you."

"W-what? No, that's not -" Daniel looked on in shock and confusion.

"Check your phone. You accepted my money on TransOptimum." The doctor snapped.

"That... that was you?"

"You didn't realise?" Dr. Johan chuckled to himself, his fingers still working Daniel's pussy open.

"No! I-I don't want this-" Daniel finally said, and tried to sit up. But Dr. Johan swiftly pushed him back down onto the examination table and huffed. "Don't you want the money? That payment's pending, I can always take it back."

Everything seemed to pause for a moment. Daniel breathed heavily as Dr. Johan's one hand kept him flat on the table, and the other continued to assault his sensitive pussy with two digits. Daniel closed his eyes. He had no idea what he was getting into with this app. He didn't even know if it was legal to use it like this. But it was $500, no small amount for himself. It would free up the rest of his income this month for his essentials. But what did he have to do for it? He sighed weakly, and he let himself relax back into the feeling of being fingered expertly.

"Good. Very good." Dr. Johan said firmly. He took his hand off Daniel's chest, and started fingering him with a new vigour, making Daniel squirm. "I know you're enjoying this. Your little pussy is soaked." He then withdrew his fingers slowly. "I'm going to fuck you now." Dr. Johan said in an almost soothing tone, simultaneously grabbing Daniel around the hips and pulling him towards the end of the table in one motion. Daniel's buttocks rested on the edge, and his exposed pussy was now level with Dr. Johan's crotch.

Dr. Johan grabbed the inside of Daniel's knees together in one hand, and pushed them up to his chest, folding him firmly. With the other hand, he undid his fly and fished out his large, erect cock. Daniel let out a grunt as he felt the large tip rub up and down against his pussy, getting coated in his juices. He watched, mouth open, and breathing heavily.

"W-wait, wait! You have to use a condom-" Daniel protested, his senses coming back to him for a second. He tried to get up again. Dr. Johan just tutted and pushed him down with his body weight, plunging the thick head of his bare cock inside Daniel's tight pussy. He stretched him open, and Daniel whimpered in both pain and pleasure. The doctor's dick was large. He'd ever had anything so big inside him before.

"We both know there's very little chance of me knocking you up." Dr Johan smirked. Daniel didn't have time to protest further. The doctor shoved himself fully inside Daniel with a grunt, forcing his little hole open. Daniel let out a pained moan, and the doctor quickly clamped his hand over his mouth. He loomed over Daniel and began thrusting the full length of his raw cock in and out rapidly, while Daniel struggled underneath him, with no time to get used to the feeling of being completely full of cock.

Even with the doctor's hand firmly over his mouth, Daniel couldn't help but moan through it, his voice getting louder as his pussy was stuffed over and over again, gripping the doctor's bare cock like a vice. He closed his eyes shut tight, he started to go limp as he just allowed himself to be used like this. He'd never been fucked so hard or so quick before. He could feel the doctor's heavy balls slapping against his ass with each hard, frenzied thrust deep inside his pussy. His juices made an indecent noise with each pump the doctor delivered inside him. Quickly, he started to relish the feeling of his body being used like this. His legs ached as they were held up to his chest, and despite everything, he ended up freeing them of the doctor's grip and spreading them wide to wrap tightly around the doctor's waist. He fully accepted the raw cock inside his pussy, and pulled it in even deeper. Dr. Johan, encouraged by this, responded by grabbing hold of one of Daniel's hips and pulled him onto his cock with each hard thrust inside.

"You're such a tight little slut." Dr. Johan growled as he continued his assault on Daniel's pussy. "You love this, don't you?" He mocked Daniel, who, although he couldn't respond in words due to his mouth being covered, was moaning in pleasure with the rhythm of being slammed into over and over again.

"Couldn't believe it when I saw you pop up on that app." Dr. Johan started really hammering into Daniel, almost like he wanted to hurt him. "I knew it had to be you. Trannies like you are just begging to have their cunts filled with a real man's seed." He snarled down at Daniel, sticking his fingers inside his mouth harshly. Daniel could barely open his eyes; he felt himself sucking on the doctor's fingers involuntarily as each thrust of bare cock pushed his entire body up and down on the examination table. He was practically shaking. "I'm gonna fill you up with so much spunk" the doctor groaned between hard thrusts, "breed your little pussy, whether you want me to or not." He started to move his fingers in and out of Daniel's mouth as he sucked, and wrapped himself around this man, and Daniel could feel the tension of everything build up deep inside his abdomen.

It was like a fire had been lit inside his stomach, and the cruelty of the doctor only made it hotter. "Look at me," Dr. Johan growled, moving his hand from Daniel's mouth to his neck and squeezing.

"Beg me for it, slut, beg me to breed you." His words were just as commanding as his steely gaze, Daniel could not not look away. He started up at the doctor, open-mouthed, as he choked and fucked him open with abandon. "Please!" Daniel exploded, "Please breed me, please cum inside me!" With that, his entire body shook, his pussy convulsed in the biggest orgasm he'd ever had, and it pushed the doctor over the edge, who spilled his seed as deeply as he could inside Daniel with one final, stabbing thrust.

Then everything was quiet, with the only noise in the room being the heavy breathing of both Dr. Johan and Daniel. Dr. Johan's grip around Daniel's neck went limp, and Daniel could still feel Dr. Johan's huge, hard cock pulsating inside him, coating his insides with semen, even a minute after both of them had came and Daniel had let his feet finally rest on the edge of the table. They both looked at each other, breathing heavily. Daniel's head was spinning, confused that he had just had the best orgasm of his life from essentially being raped and used like some kind of sex toy. Dr. Johan sighed, and finally, after what seemed like an eternity, he pulled his slowly softening, spent cock out of Daniel, which caused a stream of semen to follow. "Oh, what a mess." He said, tucking his cock back into his trousers and zipping up. "Here," he gathered up some of the long spread of tissue paper that was between Daniel's body and the examination table, and started to clean up the mess of semen he'd now left on and inside him. "Er, I can do that-" Daniel interrupted, suddenly overtaken by self-consciousness. He sat up to finish cleaning himself off.