Bubbly coed Michelle Anderson is shocked when she received a letter stating she owes a ton of money. Her stepbrother, Tony, comes to see what all the commotion is about. He has some suggestions of places Michelle can turn to for the money she needs to pay the bill, but Michelle doesn't like any of those ideas. She wants Tony to help her out since she knows he has the dinero, but he refuses and takes off to go to work.