“Not even for your brother?”

Talk about playing dirty.

“You wouldn’t lose your house if you made regular payments to the bank,” he said. “Or do you have a gambling problem, too?”

The contempt in his voice was really annoying, she thought as she glared at him. She took in the perfectly fitted suit, the shiny gold watch that probably cost more than she made in three months and had a feeling that if she looked out front, she would see a pretty, new, fancy, foreign car. With good tires.

It was too much. She was tired, hungry and this was the last problem she could deal with right now.

She grabbed the electric bill from the in-box and waved it in front of him.

“Do you know what this is?”

“No.”

“It’s a bill. One I’m late on. Do you know why?”

“Ms. McCoy…”

“Answer the question,” she yelled. “Do you know why?”

He looked more amused than afraid, which really pissed her off. “No. Why?”

“Because I’m currently helping to support my two cousins. They’re both in college and have partial scholarships, and their mom, my aunt, is a hairdresser and has her own issues to deal with. Have you seen what college-age girls eat? I don’t know how they get it all down and stay skinny, but they do. Follow me.”

She walked into the kitchen. Surprisingly Duncan came after her. She pointed at the dry-erase board. “You see that? Our family schedule. Kami is an exchange student. Well, not really. She was in high school. She’s from Guam. Now she goes to college here. She’s friends with my cousins and can’t afford her own place. So she lives here, too. And while they all help as much as they can, it isn’t much.”

She drew in a breath. “I’m feeding three college-age girls, paying about half their tuition, for most of their books and keeping a roof over their heads. I also have an aging car, a house in constant need of repair and plenty of student loans from my own education. I do all of this on a kindergarten teacher’s salary. So no. Taking out a loan on my house, the only asset I have in the world, is not an option.”