"What'd you do, go back to school when I wasn't looking?" my brother asks me. "I hate to say it, Maggie, but taking on even more student loans is probably not the best idea right now."

I look up from the huge book in my lap. I can only imagine what Justin is thinking - there he is, just home from his respectable, grown-up job, still in his suit and tie, and the first thing he sees is me spread out on his couch, flipping through a huge book with the TV on in the background. And ...