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I was just two quarters shy of getting my Master's Degree in Music Performance when the whole US economy disintegrated. My father who was paying my way through school was a Senior VP at a major bank one day and unemployed and indicted the next. I had no money saved up and all my parents assets were seized during a congressional investigation. Needless to say, I was devastated.

My name is Susan, I'm 25 years old with honey blonde hair and blue eyes. I haven't been in any sort of steady relationship for the past two years because my studies have taken so much of my free time. When I wasn't studying, I was getting private piano lessons from my music professor. His name is Josh and he's a world class pianist who plays in the philharmonic orchestra and teaches at the university. I guess even with two jobs, he's still willing to take on tutoring to earn some extra money. Josh is an attractive man, about forty, with dark curly hair, brown eyes and a very fit physique. I know he is married, but I've heard tell of him going out for drinks and dinner with some of his students.

I arrived at his classroom where I took my private lessons and Josh came out of his office with a concerned look on his face. "Susan, I just had your father's check returned as NSF for last month's lessons?"

I was afraid something like this was going to happen. Dad was to embroiled in his own problems to worry about mine right now. I hung my ...

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