Part One

When I was in my final year of high school, I accidentally became a regular money lender to my peers. I honestly hadn’t intended to get into this sideline; it just sort of evolved from a good deed I did for a pretty classmate.

My name is Brian Mallory. In 1979, on one late September morning in my homeroom, one of my classmates, a rather fetching girl named Joanne Baxter, was in a panic. This was the last day to order prints of our school photos. An advance payment was required—and Joanne had accidentally left her cash at home. When she realized that she had no money with her, Joanne was on the verge of a meltdown. That term was unknown in 1979, but it would have been an accurate description of Joanne’s emotional state.

Just to get Joanne calmed down (and to win some favorable attention with her) I offered to lend her whatever amount of cash she needed. This was nearly half a century ago, but I have a fairly good memory. I believe the amount was $22. It was highly unusual for high school students to carry a lot of cash in those days. A lunch at the cafeteria could easily be bought for between $1 and $2 in the late 1970s, so when I produced a $50 bill, my homeroom teacher was nearly horrified. “Why on earth are you carrying so much money with you, Brian?” he inquired. “You’re almost asking for trouble by doing that.”

I explained to Mr. Carson that I didn’t normally carry so much cash but yesterday had been my 18th birthday. One of my aunts had given me a $50 bill as a present for the occasion. I promptly put it in my wallet and forgot about it until I searched through it to see if I could help Joanne out. Joanne accepted my offer—giving me a hug as a thank-you bonus, which I enjoyed. Mr. Carson was able to make the appropriate change from the other students’ cash payments—which I took. Joanne promised to repay me the $22 the next day with “a bit of interest added.”

“Another hug?” I asked hopefully.

“No,” she responded with a laugh. “I’ll repay you $25. That’s more than a 10 percent profit for you on this loan. I think that’s fair.”

I did, too. True to her word, Joanne paid me $25 the next morning—and never gave me the time of day after that. Hey, it was worth a try!

However, that day at lunch period, another classmate, a boy named Jason, had forgotten his lunch money and asked if I could slip him a couple of bucks so he wouldn’t go hungry. I did, with the understanding that he’d pay me $2.25 the next day. He did. From that day forward, I always brought an excess of money to school because word got out that I would lend students a bit of cash for a small surcharge. They always approached me for their personal loans. I never openly offered anyone a cash advance.

I didn’t have a fixed interest rate. A lot depended on my personal opinion of the client. If it was a female who was at least moderately good-looking, I’d often charge less than 10 percent interest. I typically charged males at least 20 percent. When one boy pointed out that he had to pay more in interest that a comely girl named Sophie Madison, I bluntly told him, “Sorry, Vince, but you’re not built like Sophie. That’s a factor in how I determine anyone’s interest rate.” I clearly had my priorities set in stone.

Amazingly, I never encountered a single deadbeat. Every peer I loaned money to always paid me back quickly and with the interest charge we had agreed upon. I suppose the fact that I was 6’2” and muscular helped my cause. I was a gentle soul who wouldn’t hurt a fly—but my customers didn’t know that.

I also had a twin brother named Clark. Oddly, we didn't look too much alike. As a talented musician who could play multiple instruments, Clark went to a different high school that I did—one that focused heavily on the performing arts. One day, not long after I had become my high school’s preferred money lender, Clark informed me there was a new girl in his grade that year who was “absolutely spectacular.” Clark and I liked the same type of females: pretty and busty. He raved about this one, who was named Suzy Stanley, at every opportunity.

After hearing Clark describe Suzy as “every normal male’s dream girl,” I determined I had to verify this claim personally. “If this girl Suzy is as hot as you say she is, I might just drop by your school sometime and see for myself if you are exaggerating or not, ” I told Clark.

“Go ahead. You’ll see I’m telling you nothing but the truth,” my brother confidently said to me. “Be a good guy, though, Brian. Let me try to sweet-talk Suzy into having a screw before you do the same. You’ve got an entire high school full of sexy girls to choose from. The pickings at my much smaller school are considerably smaller.”

Part Two

It took me a few months to get around to it, but after several days of listening to Clark praising Suzy’s sexy appearance, I caved in to my curiosity. I decided to pay Clark a visit at his school and check out the scenery he so enjoyed.

My high school dismissed its students about 25 minutes ahead of Clark’s school, so I had just about the perfect amount of time to walk from my school to his to be present when the final bell rang there. Clark told me where his locker was located, so I just wandered inside to meet him. (One could freely do that back in those days.)

I spotted him and said, “Okay, I’m here to get a look at this alleged ravishing beauty,” I stated. “Where can I ogle the lovely Suzy at a distance?”

Clark raised his right arm and pointed to a locker located perhaps 20 yards from his. Clark had lied to me. In my humble opinion, he had underestimated Suzy’s good looks! This girl truly was fabulous. She was about 5’4” tall with a beautiful head of wavy chestnut-brown hair. Suzy had a glowing face when she smiled, too. I certainly suspect hardly any boy in the school noticed those attributes first. Suzy had a world-class figure for someone her age. In fact, it was world-class for a female of any age. I figured she could easily get a job as a swimsuit model.

I was speechless for a moment or two before I regained my composure. “Wow, she is way too attractive to be stuck here with you lowly peons,” I said. “She definitely needs the doting attention of someone older and far more worldly. Someone like me, for example.”

I was about to approach her, but she beat me to it. For some reason, Suzy Stanley was walking towards me! I found out why a few seconds later.

Suzy was about ten feet from me, and still walking toward me, when she asked, “Aren’t you the guy from Madison High School who makes all the loans?”

I said I was and introduced myself. She told me her name, which I already knew. As a courtesy to my sibling, I stated my brother Clark Mallory was in her class.

“Oh,” was all she said to that bit of trivia. She didn’t seem to know my brother or care to know him. I swear I could hear Clark’s ego deflating.

“Anyway, I know you based on reputation, ” she told me. “I have some friend who attend your high school who have used your loan service. I would like to use it too, if you’ll let me. I’m in a bit of a bind. I need $50 in a hurry. May I borrow that amount from you?”

My previous largest loan was the $22 for the school photos I had loaned to Joanne Baxter eight months earlier. But when a teenage goddess wants to borrow $50 from me, I won’t say no. I Instantly pulled out enough money from my wallet to meet Suzy’s request and gladly handed it to her. Her face lit up with delight. That transaction left me with almost no cash at all.

“I charge 10 percent interest, so pay me back $55 whenever you can,” I informed her. I normally state an expected due date, but I made an exception for Suzy. I added, “Just give the money to Clark whenever you are able. I’ll make him my agent in this case.”

Almost immediately, I heard the most enticing statement I had ever heard from anyone anywhere. Suzy whispered just loud enough for both Clark and me to hear, “If I give you a fuck, Brian, will you drop the interest payment?” She put an exclamation point on her counteroffer by sexily touching my left cheek with the back of her right hand.

I quickly did the arithmetic: For the ridiculous bargain price of waiving the $5 profit I’d make from this loan, I could fuck this 18-year-old sexpot! Heck, I would have told Suzy I’d waive her repaying the loan entirely just to have a romp with her. This was the deal of the century, and I certainly wasn’t going to miss out on it! I also figured Suzy wasn’t especially good in math.

“Yeah, that sounds fair to me, Suzy,” I told her while trying my best to maintain a poker face.

“Great!” Suzy declared with surprising enthusiasm. “Give me a few minutes to find the person I need to pay, then I’ll be right back. I’m looking forward to having sex with you, Brian. I think you’re cute!”

Seconds after Suzy departed, Clark gave me an unhappy look that was hard to read. I figured it was part amazement, part disgust, and part envy.

I reminded him that I hadn’t instigated this upcoming rendezvous which I couldn’t wait to start; it had all been Suzy’s idea. “Hey, I just came here to have a peek at this girl you want to screw so desperately. You know the old saying, Clark: Ninety percent of success is attributable to just showing up. I don’t care if Suzy leads me into a cactus patch for our screwing, I’m really going to enjoy this experience! She has the best rack I’ve ever seen in my entire life!” Then I broke into joyous laughter.

Part Three

To be perfectly honest, for a moment or two I thought I might have been scammed out of $50, but that concern was totally unwarranted. Suzy was true to her word. She returned $50 lighter but as quickly as she had promised.

With a devilish smile plastered on my face, I waved goodbye to Clark. Suzy led me to a distant area of the school yard that was obscured by thick shrubbery. The chances of being spotted by any student or staff member was nearly zilch, perhaps even less because most everyone was heading home and few people were lingering around. I got the distinct impression that Suzy had visited this hidden patch of thick grass before to do the same thing we were about to do.

I said, “This is really none of my business, Suzy, but why did you need $50 in a hurry? You don’t have to tell me if you don’t want to tell me.”

After a slight pause, Suzy admitted, “I like booze. It’s not the hard, rot-gut type of booze. I like the fancy, fruity types of liquor, like schnapps. There’s a boy in my class who has a 20-year-old brother. He buys liquor for me and a few other students here. Of course, we can’t buy booze ourselves because we’re underage—I just turned 18 last month—so he does the buying for us and charges extra for the service to make a few bucks on every transaction. I’m behind in my payments to him. He threatened to inform my parents if I didn’t pay my debt to him soon. That’s why I needed the loan from you—to finally get him off my back.”

I just said, “Oh, I understand,” and nothing more. I had not expected such an answer. I thought it might possibly be a drug debt, but I didn’t think Suzy Stanley would be a junior lush; that never occurred to me. I suppose one never knows what dangerous vices people get themselves into at young ages.

Suzy led me to a lovely, secluded area where the grass was overgrown—which made for a soft, cushy place to have sexual intercourse. “Let’s have some fun together, Brian, ” she stated. “I like having sex with cute boys. It’s fun.” I so wished I was a classmate of hers!

“Having sex with you will be more than just fun, Suzy!” I corrected her. “You have a fantastic, sexy figure with your clothes on. I can’t wait to see what you look like without them.”

“Wait no longer!” she said and promptly disrobed. She actually took off her clothing a bit too fast for my liking. I was hoping for more of an elongated striptease performance from beautiful Suzy to draw out the process. Still, I was so engrossed by her sensational good looks that I paused in removing my clothes—until Suzy reminded me that she wanted to see me in my birthday suit, too. I quickly complied.

“I’m sorry for being distracted for a few seconds, Suzy,” I told her. “But you have the best set of tits I’ve ever seen in my life! I’m totally serious about that. They’re absolutely gorgeous! And you are just 18 years old. Wow! Let me at them!”

I had always been a “boob man” since I realized that girls and boys possessed different anatomies. I had been fascinated by girls’ breasts since the third grade when classmate Helen Jasper and I, at my suggestion, agreed to show each other our private parts. (This was also done in a secluded part of a school yard.) Helen didn’t have much to show me at that age—just tiny bumps on her chest—but it was the thought that counted. That was a milestone moment for me. I decided then and there to enjoy as many girls’ tits in my lifetime as I could. I wasn’t exaggerating when I praised Suzy’s pair. They were perfect in every way! As a student of mammary glands, I recognized Suzy’s breasts as the “raindrop” variety. They were firm but jiggly and had perfect areolas that culminated with perky nipples. I was in tit heaven—and had an erection as hard as a diamond!

I embraced Suzy and set her down on a slight incline. I usually enjoy kissing girls very much, but I limited myself to one romantic smooch with Suzy so I could get at her fabulous boobs without any further delay. At first, I placed myself in a side-by-side “spoons” position so I could easily fondle both of Suzy’s jugs simultaneously. I caressed, squeezed, groped, handled, and otherwise relished playing with them. I must have spent ten minutes simply enjoying how they felt in my sweaty hands. They were truly magnificent objects—and I gladly told Suzy so!

I could have continued that sexual touching for hours, but I wanted to put my mouth and tongue to use on her best assets. I turned Suzy’s body so she was now lying flat on her back, after which I began to lick her breasts with enthusiasm. Sucking on Suzy’s stiff nipples was the next obvious thing to do.

Speaking of stiff, I couldn’t resist giving Suzy’s marvelous mounds a deserved titty-fuck. Therefore, I straddled this lovely, youthful, sensual creature, placed my erect penis between Suzy’s goodies, and began thrusting my rod back and forth. Suzy recognized this sex act, apparently, because she pushed her breasts together to enhance my pleasure and presumably hers, too. I could sense an ejaculation would be happening soon—and I hadn’t even considered Suzy’s vagina yet.

Sure enough, I lost control of myself. I fired a warm load of goo that smacked Suzy under her chin. That was just the beginning of my climax, however. While still ejaculating, I lifted my throbbing penis from between Suzy’s tits so I could come all over them with subsequent ropes of thick, white jism. The feeling was tremendous! Within a few seconds, Suzy’s torso was coated by a sticky mess—thanks to me. I happily took full responsibility. To me, Suzy being thoroughly covered by my sperm was a beautiful sight.

Suzy was amazed that I had climaxed without any vaginal penetration. She told me, “Brian, before today, no boy had ever been so fixated on my tits that he didn’t put his dick in my pussy before coming.”

I smiled and said, “Frankly, Suzy, I could have come about ten seconds after I started groping those lovely tits of yours. It took a lot of personal willpower to last as long as I did. I love girls’ tits—and yours just turn my crank!”

To make up for Suzy’s apparent disappointment with me, I moved downward on her body and gave her hairy pussy a long licking. The effect was positive for both of us. Suzy attained an orgasm while I regained the hardness in my penis. Once it was solid enough for my liking, I promptly shoved it inside Suzy’s most private part to please her with some long and sensuous thrusts. I managed to come for a second time in about 12 minutes, which was a new speed record for me. Unlike my first cum shot, every drop of semen went inside Suzy this time.

She seemed quite pleased about that. “Yes! That’s what I’m used to, Brian!” Suzy told me when I pulled out of her and squeezed a few dribbles of cum onto her cute navel.

“I’m glad to oblige,” I said, as if I had done some sort of great service for her. I suppose I had! Suzy cleaned herself up with a pocketful of tissues she had smartly brought for the occasion. We dressed not long after that, shared a long kiss, and went our own separate ways.

When I finally got home that day, Clark quietly took me aside so neither of our parents could hear our conversation. I could tell Clark was still miffed at my good fortune, but he was also extremely curious about my experience screwing Suzy—so I told him. I began by saying, “Imagine the most pleasurable thing in the world...and multiply it by a thousand. That was how good it felt just to give Suzy a titty-fuck—and I did way more than that with her. She was a superb lay. I had the best ejaculation of my life. There’s no doubt about that!”

Like all my other loan clients, Suzy did repay me the $50 she had borrowed. I got the money from Clark within a week. About two weeks later, Clark told me that Suzy would be needing another loan soon to pay her booze supplier. Clark said, “Joanne needs $30 this time. She also wants the same arrangement with you as the last time to avoid paying any interest on the loan. She wants to know if that’s acceptable to you.”

It took me about two seconds to agree to that lusty proposition. “Yes!” I responded enthusiastically. “When you see Suzy tomorrow at school, tell her I’ll meet her near her locker at 3:40. I know where it is. Also tell her to have plenty of tissues ready for cleanup purposes. She’s going to be on the receiving end of another huge load. For the sake of variety, this time when I climax, I intend to come all over her pretty face, too!”