The loan agent, a seasoned predator, spots the teen's desperation and lack of worldliness. He offers her a chance to pay off her debt in a most taboo way. She's hesitant but hungry, her body betraying her as she reveals her naked form to him. He guides her hand to his throbbing cock, teaching her to stroke it. She's clumsy but eager, her innocence a stark contrast to the debauchery she's about to engage in. He tells her to spread her legs, to touch herself, as he watches, his lust growing with each innocent action.