Why does Miss Zhou owe Gao Jialin?

Because Mr. Zhou is arguing with Gao Jialin for the quota of teachers to become full members. In "The Road to Life", Gao Jialin argued with Mr. Zhou for the number of private teachers to become full-fledged members. Originally, Gao Jialin had full confidence in becoming full-fledged members, but because he took his students out to travel and caused a car accident, he lost this opportunity. Mr. Zhou always felt that he had lost money.