Charlie looks into buying the furniture factory when Gus decides to sell it to a major corporation. But Charlie learns more about owning it when he must come up with some collateral for a bank to give him a loan. Meanwhile, Bailey's lack of education and no college degree sets him back on his un-chosen career, until he learns more about a college business education while accompanying Holly on her pre-med lectures. Julia begins to resent Adam when he challenges criticism from his writing instructor in which he responds frustrated at himself and everything and leaves town. Also, Claudia discovers that Victor is hiding a secret about his past involving his former one-time girlfriend while she deals with Todd going away to New York for a violin concert.