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The Term Sheet Heartbreak

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Blurb

Elena Vance earned her place at St. Jude's with a scholarship she cannot afford to lose. Surrounded by students born into wealth, power, and family names, she knows exactly where she stands—and exactly what it will cost if she falls.

Then there is Julian Carter.

His name is everywhere. His family owns more than most people could spend in a lifetime, and he moves through St. Jude's as though the institution was built for people like him.

Elena wants one thing: to survive the year without losing the life she fought so hard to build.

But some doors open only when someone powerful decides to notice you.

And Elena is about to find out that earning a seat is nothing compared to keeping it.

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Chapter 1- The Price of a seat
Elena's POV The Price of a Seat The coffee wasn't mine. That's the part nobody asked about. It happened fast. A tray, a shoulder, a ceramic mug that had no business being on the edge of the counter like that. The coffee went down my uniform, across the floor, and onto the shoe of the woman standing behind the pickup station. Mrs. Paulson. Dining hall supervisor. The woman who signed my weekly hours. "Vance." Her voice didn't rise. It didn't have to. I grabbed a cloth from the rack without being told and crouched to clean the floor. My knees hit tile. The smell was sharp, dark roast, and I pressed the cloth down in steady circles because that was the only thing I could control right now. "That was the third complaint this week." "The spill was an accident." I kept my voice flat. "The mug was left at the edge of the counter during the pre-service rush. I've flagged that twice in the log." "I'm aware of your logs, Elena." "I didn't mean—" "I know what you meant." I closed my mouth. Mrs. Paulson glanced at the cloth in her hand. "You work hard. I'm not questioning that." "Then what are you questioning?" "The pattern." "Three complaints," Mrs. Paulson said. "Three incidents. Different causes. Same result." "My work is still getting done." "I know." "Then why does it feel like you're asking me to defend it?" Mrs. Paulson's expression tightened for a moment. "Because Student Employment doesn't care how hard you work. They care what gets recorded." I looked down at the soaked cloth, then placed it beside the sink. "I understand." "Good. Then we're clear." I stood. The cloth was soaked through. My left sleeve was wet and starting to cool against my skin, and I did not look down at it because I didn't want her to see me look. "I'm not writing you up," she said. "But I need you to understand that one more incident and I have to flag it to Student Employment." One more incident. Student Employment. Those two phrases together meant one thing: scholarship review. "Understood," I said. She moved away. I turned back to the counter and wrung the cloth out into the sink and did not think about the number in my bank account or the envelope my mother had sent last week that I hadn't opened yet because I already knew what it said. I picked up the next order. That was when I saw him. Julian Carter was sitting alone at the far table by the window, the one that nobody sat at because the bench was uneven and the light came in at an angle that made it hard to read. He had a book open. His tea was steaming. His blazer was the kind of thing that cost more than my monthly food budget and he wore it like he'd forgotten it was on. He hadn't looked up once. The whole thing, Mrs. Paulson, the coffee, my wet sleeve, none of it had registered on his face. Not because he was being cruel. That was the part that sat wrong with me. He simply existed in a place where spilled coffee happened to other people. I felt Marcus following my glance. "You're doing it again." "Doing what?" "Looking over there." "I wasn't." "You were." I reached for a stack of clean cups. "You have too much free time." "I've been working since five." "Then work." Marcus grinned. "You know what I mean." "No, I don't." He lowered his voice. "Carter." I set the cups down. "What about him?" "Nothing." Marcus lifted both hands. "Just saying his name." "You said it like I'm supposed to know something." "You're not." "Then stop looking at me like that." "Like what?" "Like you've figured something out." Marcus laughed under his breath. "I haven't figured anything out." "Good." "Good." Marcus slid up beside me and leaned on the counter with his elbow. "You good?" "It's handled." He looked at my sleeve. "Your sleeve is soaked." "I know that, Marcus." "Cool. Just checking." He picked up a tray. "Carter's been here since six-fifteen. Ordered one tea. Tipped exactly twenty percent. You want me to spill something on him so you feel better?" I gave him a look. Marcus raised his hands. "I'm kidding." "I know." "You don't look like you know." "I look tired." "You look like you're calculating." "I am." "Money?" I paused. "Everything." Marcus's expression lost the joke. "You've got a lot on your plate." "I know." "You're still standing." "That's the idea." He glanced at the clock above the counter. "You've got another hour." "I know." "Then get through it." I picked up the tray. "One thing at a time." "Exactly." I turned toward the dining hall. The weight in my chest hadn't disappeared. Neither had the number waiting in my account or the scholarship meeting waiting three weeks ahead. But the tray was in my hands. For now, that was enough. "I want you to take table seven before Mrs. Paulson writes both of us up." He went. I went. I took orders and refilled water glasses and carried plates and did not look at the far table by the window again, except twice, and both times Julian Carter was still reading and his tea was still steaming and the world was still tilted in exactly the way it always had been. My shift ended at nine. I changed out of my wet uniform in the staff bathroom and pulled on my regular clothes and shoved the damp sleeve into the bottom of my bag and walked out into the morning. The air hit cold. September on this campus always smelled like cut grass and stone, something old and maintained and completely indifferent. The scholarship board met in three weeks. I had a logic problem set due Thursday, a tutoring session at noon, and forty-two dollars in my account until the fifteenth. I walked to the library. At the library doors, I stopped long enough to check my phone. No new message. I slipped it back into my pocket. Inside, the air was warmer than outside. I crossed toward the tables near the windows, pulled my problem set from my bag, and opened it to the first page. Thursday. I wrote the date in the corner. Then I stared at the first question. My pen remained still between my fingers. "Forty-two dollars," I whispered. I turned the page. The numbers blurred for a second before I blinked and forced them back into focus. The scholarship board met in three weeks. I lowered my head over the problem set. One thing at a time. I did not think about Julian Carter not blinking. I thought about it the whole way there.

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