Lily Vance has lived a charmed university life. Four years ago, when she packed up for college, her protective older brother tucked a sleek, heavy titanium black card into her planner with a sticky note: For unli-use. Don't starve. - N And Lily didn't starve. She bought lattes, textbooks, plane tickets, and exactly four dozen Sephora hauls. She thought her brother's tech startup was just doing incredibly well. But when Lily comes home for graduation and marches into the billiards room to properly thank her brother for funding her college survival, the truth comes crashing down. Her brother never had a black card. The card belongs to his best friend. Declan Rhodes is the newly minted, two-hundred-million-dollar franchise quarterback for the Seattle Sea-Hawks. He is arrogant, massive, notoriously private, and has spent the last four years quietly funding the life of the only girl he's never been allowed to touch. Now, Lily owes the most dangerous man she knows exactly $142,000. Declan doesn't want her money. He wants her. And he's finally calling in the debt.

Malika Danai is pressure. Friendly, social, and loved by all, Malika thrives in college and is often seen as a mirage - seemingly real and attainable but disappears when approached. She's a party girl to the core. Loves to drink, flirt, and explore with her best friends, Ayana and Isabella. Her beauty is undeniable. With curly black hair cascading over her shoulders and golden-brown skin that glows no matter where she's at, Malika's presence is impossible to ignore. Her dark brown eyes often sparks with mischief, and her full two-toned lips often curves into teasing grins that hints at secrets she rarely shares. Malika excels at a lot of things but she was never the study type. She prayed the night before exams and hoped that her grades would at least give her a passing score and somehow, that always worked. Until now... Her grades are barely holding on- good enough to pass, but not good enough for a sorority like the Alpha Kappa Alpha (AKA). She wants to join. No she needs to. It's the only way she can prove to her mother that she's worth it. And she'll do whatever it takes. Even if it means casting her pride aside to get help from the boy who loathes her existence. Meanwhile... Theo Sinclair is a weapon. An academic weapon that nobody can beat. Coming from an old money family where the expectations and bars are set high, Theo surpasses them all and is often pushed towards greatness by his family. Yet he has a big flaw: boredom. Because of his uncaring attitude towards everything and everyone around him, Theo is often alone. Deliberately avoiding attention and validation from peers; he thrives in the silence and rhythm of his own scheduled routines. He has only one rule; 'Never let myself feel things I can't control.' To him, parties are ratchet and vile. An enigma vastly contrasting his reverence for solitude, silence, and carefully ordered thoughts. So when he's pushed into an unwanted arrangement, he resents the intrusion because slowly, his rule...

𝐈𝐍𝐒𝐄𝐂𝐔𝐑𝐄 𝟏𝟖+ | 𝐒𝐋𝐎𝐖 𝐁𝐔𝐑𝐍 𝐑𝐎𝐌𝐀𝐍𝐂𝐄 Meet 𝐃𝐀𝐍𝐈 𝐁𝐄𝐋𝐋𝐒, an African American 17-year-old who's been struggling with insecurities, anxiety, self-harm and a troubled childhood marked by abuse, Dani has been carrying the weight of her past traumas on her shoulders 𝐚𝐥𝐨𝐧𝐞 𝐟𝐨𝐫 𝐚 𝐰𝐡𝐢𝐥𝐞.. But when Dani encounters 𝐋𝐮𝐜𝐢𝐟𝐢𝐞𝐫 𝐃𝐈𝐑𝐊𝐒, the 𝐁𝐀𝐃 boy who defies all the rules, her 𝐓𝐑𝐎𝐔𝐁𝐋𝐄𝐃 life takes an unexpected turn. #1 insecure