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A car accident seriously injures Nicole, and Kyle and Josh help a woman named Gretchen give birth.
Kyle hits the bar with Josh and Declan to drown his sorrows after breaking up with Amanda. Lori and Jessi bond over boys as Lori uses Jessi's apartment as a bolthole.
After Cassidy helps to save Nicole's life, Kyle is a man of his word and begins to pay his debt back to Latnok. But what Kyle finds is a complete surprise -- Latnok is not some dark scary place…but rather a hip college hang-out for young and bright minds, including Mark. Still not willing to give them the benefit of the doubt, Kyle decides after his first day there never to return, but rethinks his decision when he finds out about his family's financial dilemma. Will Kyle sell his soul to the devil to help out the Tragers, or can he find another way to get a hold of some quick cash? Meanwhile, Jessi comes clean about everything to Kyle, which brings about mixed results.