Dr. Lydgate's financial position continues to deteriorate and he is forced to take a loan using the furnishings in his house as collateral. When he shares this information with his wife and suggests that they find ways to economize, she reacts petulantly blaming him for their situation. He refuses her suggestion that he ask his rich Uncle Godwin for the money. Fred Vincy confides in Reverend Farebrother that he cannot truly see himself as a preacher. He would like to establish himself in another profession but mostly he would like to marry Mary Garth. He asks Farebrother to speak to her on his behalf, but it may not be a wise choice. Nicholas Bulstrode continues to be tormented by a man from his past. Dorothea decides to establish a colony on the land she has inherited.