When single father Danny Goodman suddenly finds himself unable to afford the private school his teenage daughter adores, he has no one to turn to for financial support. In what seems like a stroke of brilliant luck, Danny meets Thomas Galvin, the father of his daughter's new best friend, who also happens to be one of the wealthiest men in Boston. Galvin is aware of Danny's situation and out of the blue offers a $50,000 loan to help Danny cover his daughter's tuition. Uncomfortable but desperate, Danny takes the money, promising to pay Galvin back. What transpires is something Danny never imagined.