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THE PRICE OF COLLISION 1

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When struggling university student Stella accidentally damages a laptop belonging to Eli, a wealthy final-year student, a successful tech entrepreneur and a heir, an unexpected encounter brings their lives together.As Eli helps Stella overcome financial difficulties, their casual friendship slowly develops into something deeper. But their relationship faces a powerful obstacle when Eli’s family rejects Stella because of her Christian faith.Determined to prove that love and faith can overcome their differences, Stella finds herself drawn into a journey that will challenge everything she believes about family, identity, and destiny.Meanwhile, a hidden secret from seventeen years ago begins to surface. A mysterious photograph points toward a truth that could connect the two families in ways no one ever imagined.As buried secrets come to light, Stella and Eli must confront the shocking price of a collision that began with nothing more than a damaged laptop.

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CHAPTER ONE --- THE COLLISION.
The roof leaked in only one corner of the room, but it was, of course, the corner directly above the mattress Stella Andrew shared with her mother — a fact she had stopped finding funny sometime around her third rainy season sleeping under a folded wrapper positioned to catch the drip before it reached her pillow. That morning there was no rain. Only the grey half-light of five a.m. pressing through a window with no curtain, only a square of cardboard taped over the pane where the glass had cracked two harmattans ago and never been replaced, because replacing it would have meant choosing between glass and garri, and garri always won. Stella lay still for a moment before she opened her eyes, the way she always did, running through the day ahead before her body had fully agreed to move. *Test at nine. Bursary office before that — has to be before that. Three days left. Two now, if you count from midnight.* She had been counting from midnight for a week. The room she shared with her mother was one of two in a face-me-I-face-you compound at the edge of town, the kind of building where you could hear your neighbor's radio, your neighbor's arguments, and occasionally your neighbor's prayers, all through the same thin plank walls. There was a single bulb hanging from a wire in the middle of the ceiling, and it worked only when NEPA felt generous, which this week it had not. There was a kerosene stove in the corner that Helen Andrew guarded like treasure, because kerosene, too, had become a thing you rationed rather than simply bought. Stella rose without waking her mother, though she needn't have bothered — Helen was already awake, sitting on the low stool by the doorway, sorting through a small biscuit tin with the particular stillness of a woman counting money she already knew, to the last naira, was not enough. "Morning, Mummy." "Morning." Helen didn't look up. The tin made a small, hollow, discouraging sound as she closed it. "There's akara from yesterday. Small small. Eat before you go." "You should eat it. I'm not —" "Stella." Her mother's voice had an edge that had nothing to do with anger and everything to do with exhaustion. "Eat. You have a test." There were four pieces of akara wrapped in old newspaper on a plate by the stove, cold and slightly hardened, and Stella ate two of them slowly, standing, because there was only one stool and her mother was on it. She left the other two without being asked, telling herself she wasn't hungry, which was a lie her stomach did not appreciate. This was not new. This was not even, by the family's standards, a particularly bad week. It was simply the ordinary texture of their life — the texture Stella had grown up inside so completely that she sometimes forgot other textures existed, until something reminded her: a classmate's phone, a classmate's shoes without a single c***k across the sole, a classmate complaining about a slow internet connection in a house that had internet at all. Her father, Emeka, had left before dawn, as he did most mornings, for the motor park where he loaded buses and carried luggage for whatever coins passengers felt generous enough to offer, on top of the small, irregular wage the park chairman paid him. He had once owned a small provisions shop, in the years before Stella could properly remember, before a flood and then a fire — in that order, within eighteen months of each other, as if the universe had decided one disaster wasn't sufficiently thorough — had taken first his stock and then his premises. He had not been able to rebuild. There had never quite been enough capital, and then there had never quite been enough time, because by then there was a daughter in primary school, and school fees did not wait for a man to recover. Stella had grown up watching her parents perform a very particular kind of arithmetic — the arithmetic of the poor, where every purchase was measured not against its price but against everything else it would cost you not to buy: *if we pay this, we cannot pay that; if we eat this today, we will not eat tomorrow; if she goes to school this term, something else does not happen this term.* She had learned to do the arithmetic herself before she was ten years old, and she had spent her entire university career doing a harder version of the same sum, semester after semester, scholarship application after scholarship application, extension request after extension request, watching her friends worry about grades while she worried about whether she would still be enrolled long enough for her grades to matter. This term, the sum had not worked out. Not yet. Perhaps not at all. Her father's small pension from years of odd labor contracts, the little her mother made selling secondhand clothes from a wrapper spread on a mat near the market gate on weekends, the emergency contributions from a cooperative society her parents had scraped together with three other struggling families — all of it, added together, still fell short of the balance the bursary office wanted, and wanted in three days, or rather, now, two. "I went to see Mama Ngozi yesterday," Helen said quietly, still not looking up from the tin, as though the words cost her something to say aloud. "She said she can lend us ten thousand. Small, I know. But it's something." "Mummy, you don't have to —" "I know I don't have to. I'm doing it anyway." Helen finally looked up, and there was something in her face that Stella had seen many times before and had never gotten used to — a fierce, tired love that had nowhere near enough resources to match its size. "You will not stop school because of money. Not while I am alive to prevent it." Stella swallowed against the tightness in her throat and said nothing, because there was nothing to say that wouldn't come out as either a lie — *it's fine, we'll manage* — or a truth too heavy for six in the morning — *I don't think ten thousand will be enough, Mummy, and I don't know what we do if it isn't.* She dressed instead: her uniform blouse, carefully hand-washed the night before and hung to dry near the stove, the collar gone slightly grey no matter how much bleach she used, a patch at the elbow sewn so neatly it was nearly invisible unless you knew to look for it, because Stella had gotten very good, over the years, at making poverty invisible to anyone who wasn't looking closely. Her shoes had been resoled twice. Her bag was a hand-me-down from a cousin, the zip replaced with a safety pin on the inside pocket where it wouldn't show. She looked, by the time she left the compound, like an ordinary student. That, too, had taken years of practice. --- The walk to the bus stop took twenty minutes, and Stella spent all twenty of them running numbers in her head that refused to add up any more favorably no matter how many times she rearranged them. Ten thousand from Mama Ngozi. Eleven thousand of her own, most of it borrowed already from a classmate who could ill afford to lend it and had done so anyway. A pending scholarship disbursement that had been "processing" for three weeks and showed no sign of becoming anything else. None of it came close to the balance on the bursary printout folded in her bag, its edges soft from being taken out and refolded so many times. The bursary office, when she reached campus and pushed her way to the front of a queue that had formed before the office even opened, offered her nothing new. The woman behind the desk — not unkind, simply overworked, processing the tenth version of the same desperate conversation before nine a.m. — told her what she already knew: the deadline was fixed, the policy was fixed, and if the balance was not cleared, Stella's name would be removed from the semester's roll, effective the date on the letter already sitting, ominous and official, in a drawer somewhere in that office, waiting to be sent. "Please," Stella said, hating the tremor in her own voice. "I have part of it. I can bring the rest —" "When?" And there it was — the question Stella could not answer, because the honest answer was *I don't know*, and *I don't know* was not a currency the bursary office accepted. She left the office with eleven minutes to reach a test that was fifteen minutes away, and she ran. She ran the way you run when a single grade, a single missed exam, might be the thing that tips an already-precarious situation into collapse — not gracefully, not with any attention to the people or obstacles around her, but with the single-minded desperation of someone who has decided that arriving matters more than almost anything else in the world at that exact moment. Her bag slapped against her hip. The sun, already climbing, turned the tarred walkway into a shimmering ribbon of heat that stung through the thin soles of her resoled shoes. Somewhere behind her thoughts, underneath the counting of minutes, was the quieter, more permanent counting she had been doing for three days: *two days left. One test. If I fail this test on top of everything else —* She did not see the young man coming out of the Engineering annex, head bent over his phone, laptop bag slung carelessly over one shoulder, walking with the unhurried ease of someone who had never once in his life had to run toward a deadline that might end his education. She saw him for exactly half a second before they collided. It was not a graceful collision. Her shoulder caught the strap of his bag at an angle that sent it swinging outward and down, and it struck the low concrete ledge beside the walkway with a c***k that seemed, to Stella's ears — already raw from three sleepless nights of doing impossible arithmetic — to be the sound of the very last piece of her luck breaking clean in half. "I'm so sorry — I wasn't — I didn't see you —" The words tumbled out of her as she dropped to her knees, already reaching to help gather whatever had fallen, her mind already, helplessly, beginning a new and terrible sum: *whatever this costs, I don't have it. I don't have any of it.* "Don't." His voice was clipped, tightly controlled, the voice of someone working hard not to shout in public. He had already unzipped the bag and pulled out a slim silver laptop, and even from where she knelt, Stella could see the web of cracks fracturing the screen from corner to corner, spreading like something alive. He pressed the power button. Nothing happened. He pressed it again, longer, harder, as though sheer will might override physics. Nothing happened the second time either. Stella stayed frozen on her knees on the hot concrete, staring up at a stranger whose ruined laptop had almost certainly cost more than her family would see in a year, on the same morning she had just been told, in as close to plain English as a bursary office would allow, that her education was three days from ending. For one long, silent moment, neither of them moved. And then he lifted his head and looked at her properly for the first time — and Stella, still kneeling, still holding the shattered pieces of whatever had fallen from his bag, understood with a sudden, sinking certainty that this collision was not something she was going to be able to simply run away from. He opened his mouth to speak. ---

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