Flo is not like the other girls at the Ferncliffe Seminary, in that she does not like the attention of the young men at the nearby college, and their efforts to win her affection prove disastrous to their ruffled spirits. Flo has a guardian, John Strong, who has made some unfortunate speculations and to recover his losses uses his ward's fortune, and in the end loses all. He writes to his son and tells him the truth and the only way to keep himself out of jail is a marriage between his son, Owen, and Flo, his ward. Owen arrives home and after persuasion on his father's part, agrees to help him. Flo is invited down for a visit.