Like many older men, Josh has a thing for young women. However, where most fantasize about sexy young coeds who love sex, Josh's tastes are a little different. Rather than hot and slutty, he likes them to be girl next door types who are sweet, innocent and most importantly? Reluctant. So when his 19 year old house cleaner Tammy needs money he is more than happy to find out just how far she'll go to earn a little financial aid.