When Uncle Bobo's widow Tina arrives to collect a $5,000 debt incurred by Pearl's deceased husband, Pearl fears she will have to drop out of school to pay it back. While Pearl tries to balance her finances and figure out how to stay in school, she discovers that the loan her husband took from Uncle Bobo was for the string of pearls he gave her as a 15th wedding anniversary gift. Pearl must then decide whether to sell the pearls to stay in school or keep the cherished necklace.