I asked around the dorms and thought of pawning something, but I really didn’t have shit that was worth very much. The next day, Monday, the deadline day, I went to the credit union and was there as soon as it opened. They laughed at me when I tried to get a loan. Hell, I didn't even have a job. Next, I tried the “Advance Payday” places, but of course that didn’t work either. After that I just had no idea what to do. I was really in the dumps then, but even so I attended two classes and begged my professors, but again I got two lectures that I didn’t need and no money for my efforts. My mind wasn’t on studying that’s for sure! After my last class and around one in the afternoon one of my drinking buds jokingly recommended I call up Jennifer Torrance, because she was well known to be from an affluent family and she had always had a reputation for being a bossy rich girl. She also had a reputation for being a loan shark of sorts, and right now I needed the money from wherever I could find it.

He laughed when he had made the suggestion of course, and I knew he was joking. Jenny and I had gone to high school together, and even back then she was a girl everybody laughed at. My buddies and I called her the “Rich Bitch” and she sure had a reputation, but back then it had nothing to do with money. Supposedly she had paid guys to take her out, and it was rumored she had once offered the school’s quarterback a grand if he would fuck her. Needless to say, she was also known as the class slut. Consequently, I didn’t appreciate my friend’s joking suggestion, but I sure as shit was desperate and it did put the thought into my mind.

Jenny knew me, and that wasn’t exactly in my favor. She had once tried to get me to go to a Sadie Hawkins dance when I was sixteen, but at the time I had just laughed it off and walked the other way. She tried again my senior year, and that time she asked me in front of my friends in the school hallway. I don’t know what she expected me to say, but when I replied I was more than cruel. I called her a “Fat Ass Rich Bitch” to her face and I sent her away in tears. My friends had laughed at her as she ran away, and at the time I thought it was funny as shit. For sure I wasn’t about to date her in high school. In fact, I didn’t know anyone that would admit they had ever dated her, much less fucked her, and so I sure didn’t want to call her now.

We definitely weren’t friends, and never had been, and I didn’t see how I could just call her up and ask for money, and I figured if I did she’d tell me to go to hell. But, she did have money, that much was well known. A lot of money. So, what the heck? I figured it was worth trying and of course there was nothing to lose. But the reality was that Jenny was a super fat girl and the very last person on earth I’d ever want to see or be seen with. She had a round face and big fat thighs and she always acted like she owned everyone. And, as I thought of her I remembered the joke about her in high school.

“How do you fuck Jenny Torrance?”

“You don’t.”

“But what if you HAD to?”

“Roll her in flour and look for the wet spot.”

God. Nobody liked her, and she was fat and she was ugly and she was bossy. On top of those attributes she had very her short hair that was cut into a butch style that made her look like a lesbian. I think a lot of my buds, and maybe me included, figured she was a dike on top of everything else. The truth was of course that no guy worth anything would ever have asked her out. So I sure didn’t want to call her now, but desperate men do desperate things, and I was desperate. So, I did. I got up the nerve and looked her up on Facebook, and there I found her number. I had no pride at this point and so I made the call, and when she answered I told her who I was and straight out asked her for a loan, and explained I was in trouble and needed help. I expected her to hang up on me, or say something ugly, but instead she laughed, and then she giggled, and clearly she remembered me. Then after a minute or so, her voice turned serious, and she asked me how much I needed. When I told her I needed twenty thousand she laughed again, louder this time. But even so, she didn’t hang up on me.

“Well, that’s a lot. You must be in a LOT of trouble Jared, especially to call me. I’ll tell you what. Come by my dorm after my last class is over and we’ll talk about it.”

I needed the money now, so I told her I really needed to see her sooner, but she said “no.”

Then she said: “I’ll see you at six…six pm. Not before, because I won’t be free until then. I don’t know how much I’ll loan you, but just maybe, if you do what I want and get down on your knees and beg me hard enough, then I’ll loan you some serious money. But how much depends on how well you do at begging for it.”

God. Fuck. I felt lower than dirt. I was a hot as shit guy, and I had my pick of girls, and now I was groveling to Jenny, the fattest girl on campus. But hell, what choice did I have? I was so fucking desperate I knew my options were limited, and so I told her I’d be there.

I was flat running out of time. I went back to the dorms and showered, partly out of habit and partly because I wanted to be clean and look good when I went to see Henry. I put on a nice pair of jeans and a button up dress shirt. The money was all I was thinking about. I owed forty thousand dollars! I was just so fucked and I knew it! I had twenty thousand in the bank, and all of that I had won at the Poker Club. But that was just half of what I owed. Clearly, I needed a miracle from Jenny, but I pretty much knew she wasn’t going to loan me twenty grand. I figured I’d be lucky to get a few thousand, but at this point anything would help. And hell, you never know until you know, and maybe I’d get very lucky. It was funny that she was really my only hope. But it was a long shot at best, and depending on how that went I knew I’d have to talk with Henry. The weird thing was that I had no idea how to contact any of the guys in the Club. I mean, I didn’t have a single cell number or anything for any of them. I had no idea where they lived or what they did. So, all I could do was beg as much money out of Jenny as I could, and then wait until the ten PM appointment time, and meet Henry at the warehouse and give him whatever I had. I’d have to try and work out some kind of payment schedule for the rest.

The one certainty was that even though I didn’t have the money I knew I had to face him and make a deal. I reminded myself that I'd graduate in two more years, and I'd be making good money after that. Perhaps he would wait until then? He had always been nice to me, and I thought he liked me on some personal level, and the vibes I had from the games we had played made me think of him as a nice and reasonable guy. Still, I knew he wanted his money, and I knew I owed it to him.

After I took a shower, and cleaned myself up, I put the title to my truck in my backpack. I figured it was worth maybe six or seven grand, if I was lucky, and I sure hoped I wouldn’t have to sell it. Then I went back to the credit union and took out all the money that I had. It would have been a lot easier to have gotten a bank check, except that I didn't know Henry's last name, and besides, the Poker Club payments were supposed to be in cash anyway. So, I took it out in cash...which turned out to be a bigger deal than I had thought it would be. I tried to explain it away, but I figured they were thinking it was for a drug deal or something. They didn’t have any trouble putting in the cash when I had won it, but now that I wanted to take it out it turned out to be a major hassle. Still, whatever they thought, I eventually got the money, but it took a lot longer to get than I had thought it should take and I didn’t actually get the cash until just after their six pm closing time. After I got the money I had to hurry to see Jenny, because she had told me to show up at six and now I was late for my loan appointment with her.

As soon as I knocked on her dorm room she invited me in, and then she closed her door and locked it, and then she came on to me. She was dressed in bright pink sweat pants, and a light blue halter-top that could barely contain her two melons. She wasn’t wearing a bra. I wanted to talk money and she wanted to talk sex. I just hadn’t expected that. I wanted to run, but I needed her help and it started to dawn on me that she might insist I fuck her to get it. Up close, she was even fatter than I had remembered, and she had giant tits to go with her very fat ass and thunder-thighs. The truth was she was the very last woman on earth I’d have ever agreed to have sex with. But it didn’t take her very long to get right to the point of what she wanted, and she was pretty insistent. She flat out told me that I was a stud, and if I wanted the money then I needed to show her what a stud could do. How could I respond to that?

I tried to put her off, and told her I didn’t have time, but she put it to me this way: “OK Jared…I suspect you have as much time as you have to have. From what you have told me it sounds like you are in very big trouble. Well, I’ve been watching you since high school, and the truth is I used to dream about you and I envied all the girls you dated. You were always fucking the cheerleaders and the hot chicks, and treating me like I had leprosy or something. Yeah, you and your jock friends treated me like shit and you called me a lot of cruel names and made me feel terrible. Remember? I was just the ‘Fat Ass Rich Bitch’ to you.”

It was clear she remembered me very well. I had the thought I was wasting my time and probably should just leave, but I was there now, and I was desperate for a loan so I kept listening.

And she had more to say: “Yeah, for a while the things people said about me hurt so much I even thought of killing myself. But, in spite of the way you and your jock friends treated me, I’ve wanted you since high school, and the bottom line is that if you want me to loan you money now, then you are going to have to earn it. I’ve heard you are quite the stud in bed, and you have a reputation of owning a big set of balls and having a big cock to match, and you also clearly have a reputation for knowing how to use it. Well, I expect you to treat me like a woman, and show me how much you want me. And, if you do a really good job, then I might be very-very generous.”

I stared at her, and then I tried to sweet talk her to get her to give me a loan. I begged her, saying: “Jenny…I..I’m sorry. I know I said a lot of ugly things to you back when I was a high school kid. I was…I was immature, just trying to impress my friends. I..I’m not making an excuse Jenny. I was a jerk to you. But now I’m begging, and I really need the money, and you are right, I’m in a lot of trouble. I’ve got to find twenty grand somewhere somehow. PLEASE…I’m supposed to have it not later than 10pm tonight! I just need a loan, bad. You’re my only hope Jenny, and I’m desperate and I don’t have time for sex. I don’t have time for anything. Please help me!”

For a reply she said: “Well, you’ll get your loan, but only if you make time and do what I want you to do. If you are in a hurry, then the sooner you start the sooner you’ll have your money. So, get your clothes off stud, and show me what you have. Or, get the fuck out of my room.”

I looked at her and I was shaking. I wanted to run, but instead I asked: “How much money are we talking?”

She replied, “Well, that depends on you. If you do a good job then probably a lot. Maybe twenty, if I have that much in there. I don’t know my exact balance, but I’m sure I have at least fifteen grand, so if you do what I say then you’ll get most of what you need. But if you don’t do what I want, then I’m not going to give you a dime. Now, strip. I want to see your cock.”

Fuck. She was in control, and I wanted so bad to tell her to go fuck herself and then leave. But I needed the money more than I needed to keep my pride. So, I took my clothes off. Yeah, I did exactly what she wanted me to do.

When I pulled down my jet black Diesel briefs, she gasped, and said “Fuck! They were right! That’s a hell of a cock! You look like a porn star Jared, and you aren’t even hard.”

My dick was semi hard, the way it gets when sex is on the agenda. It was sticking out from my body, but not up or at the forty-five degree angle like it gets when it is fully erect. But she seemed impressed, and she was definitely fascinated with my dick, and then she came over to me.

She reached out and took my balls in her left hand and my dick into her right hand, examining it, and she gave it a few tugs and her thumb slid over the head of it as she stared at my piss slit. I didn’t move, but just stood there in her room stark naked, and looking at her fully dressed while she hefted my balls and fondled my dick. I grew hard. She giggled, and then she said: “Kiss me Jared. Kiss me like you mean it.”

And so as she held my junk in her hands I kissed her because she insisted, and I probed her mouth with my tongue and she sucked on my lower lip and closed her eyes as she did it. Before long she wanted more, and then we went to her bed and she took her clothes off and that’s where she made me lick her smelly cunt and flick my tongue in circles around and around her engorged clit. I almost vomited but I did it. She had a big twat, and she didn’t shave it. As I was going down on her she held my head and pulled it to her sex.

“Suck my clit…that’s it. You keep it up, and don’t stop until I let you stop. Yeah. Oh yes, that’s it. Lick my pussy Jared, and lick it good. Play with my clit and keep licking it and show me what you know how to do.”

I had never in all my life had any girl talk to me the way she did, and it was really strange to be forced to do whatever she wanted done. I didn’t want to eat out her twat, but I did, because I knew it was my only chance to get the cash. I sucked her clit and licked and tasted her juices, and my mouth started to grow tired. But still I kept at it. Finally, after almost twenty minutes or so she gasped and her body shuddered and I gave her an orgasm. She screamed when it happened.

“OHHH, GOD! OH GOD. OH…oh Jared….oh that felt so gooood! I’ve never felt ANYTHING that felt that good! GOD!”

But, of course, the cunnilingus wasn’t enough. After her orgasm she pulled me to her, and then she grabbed my dick again and looked at it like she was inspecting a cock for the first time. She had it inches in front of her face, and I was rock hard after eating her pussy, and the big end of it was flared and purple. I was surprised at how hard it was, and clearly the taste of pussy had excited me. It was literally bobbing up and down to my heartbeat. She tentatively tasted the end of it, and ran her tongue over the shaft and finally took it part way between her lips. She bobbed up and down on it for a minute or two, and the attention and feel of her lips got me even harder. I’ve always had a soft spot for a blow job, and even with her sucking me it felt good. But she had no idea how to suck a cock, and clearly, she was an amateur. Still, she had me boned, and it wasn’t very long before she wanted it inside of her.

The thing was I didn’t have a rubber with me, as I hadn’t been planning to fuck, and so I told her I couldn’t do it unless she had one, or at least was on the pill. I expected her to get one out of her purse, but she didn’t. Instead she said “You aren’t about to wear a condom Jared. Not the first time you fuck me you’re not. Don’t worry, I won’t get pregnant. But I don’t want to feel a cock coated in a sheet of rubber. I could buy a rubber dildo if that’s what I wanted. No, I want to feel a real cock not a fake one. We aren’t going to make love through a screen door. I want your DICK Jared, and I want your sperm inside my cunt when you cum. I want to feel it when you ejaculate. I want to FEEL IT ALL! I want the whole experience, and I want to be fucked by a stud. So, you’re going to fuck me, and if you dare to pull out or you don’t do your best then I won’t give you a dime. You’re going to fuck me like you fuck when you’re doing one of the cheerleaders, and you’re going to do it right, and you aren’t going to fake an orgasm. No, you are going to shoot your man juice and fill my pussy with it. That’s what you’re going to do, so DO IT. IF you want the money, you’re going to do it right NOW!”

As she said that, she spread her legs and pulled me towards her, until my cock was at the entrance to her hole. God. I sure didn’t want to fuck her, but I needed the money and so I really had no choice. Hoping to God my friends would never find out, I pushed my stiff cock into her, and as I did I also hoped I wouldn’t catch something. As I was mounting her, I wondered who else had banged her hairy hole?

But as my dick started to slide into her it hit something, and it was like there was something in her cunt that kept me from penetrating her. I had this thought for a second that maybe she was too fat, or maybe her cunt was deformed or something. I mean, what the fuck? It was like the end of my dick was smashing up against a wall or something, and her pussy was different than any pussy I had ever fucked in my life. Had she had surgery? I was confused as hell, and my big rod only went into her a few inches and it seemed that’s as far as it could go. I was up on my knees, with her flat on her back, and I hesitated then, my stiff dick only part way in, and as I was trying to figure that out, she grabbed my ass with her hands and pulled me really hard into her, and suddenly I felt her hymen give and then she gasped and it was then I realized she was a virgin. What the fuck? I had never penetrated a virgin, and it was a totally new experience. But how could the “Rich Bitch” be a virgin? She made a small yelp as she pulled down on my hips and shoved my cock all the way into her, all the way to my balls, and then she whispered into my ear: “OK. Now you are in. Do it. Fuck me. I want you Jared; I want your cock. You’re in me now, so fuck me and show me what you can do. I’ve been dreaming for this to happen forever. I don’t want to be a virgin anymore.”

She was paying me to be her first fuck, and I felt cheap. But it was too late at that point, so I did what she wanted. I started fucking her slowly, to keep from hurting her, and she was so tight I could hardly slide my cock in and out. I could tell from her expression she was uncomfortable, but then she got really wet very quickly, and it got easier after that and she started to enjoy it. As I was slowly sliding my cock in and out of her pussy I was so damn humiliated it can’t be described. Then, she had another surprise for me.

“Faster! Don’t be a wimp. Fuck me fast and hard Jared. I want to be fucked, not played with.”

I had never fucked a girl that talked like her. But I did her bidding, and I increased the pace and I started going faster, but it wasn’t fast or hard enough for her.

“Faster I said. FUCK ME JARED. I want you to fuck me like a stud. Like a porn star! Don’t play games; I want you to FUCK ME HARD AND FAST AND DEEP!”