In this adult role-play, Lara learns that her mother has been giving her body to debt collectors to delay repayment of the debt left by her husband. Desperate to help, Lara takes her carefully saved 3,000-yen New Year's gift to the loan-shark office and offers both the money and her petite adult body. The collectors accept repayment through sex and creampies, and Lara's newly awakened desire keeps drawing her back to the office again and again.