Frank Joyner

Refusing to marry her stepmother's choice, Gail Prim leaves her life of luxury, after cutting her hair, dressing in her butler's clothes and stealing money and jewels from her father's safe. Spending the night in a barn, she introduces herself to the thieves already there as the Oskaloosa Kid, a wanted criminal, and barely escapes their struggle to get her loot. Meanwhile, the real Oskaloosa Kid kills Reginald Paynter and throws Nettie Penning, whom Reginald was trying to seduce, onto the highway.

Tom Brown shows up at Harvard, confident and a bit arrogant. He becomes a rival of Bob McAndrew, not only in football and rowing crew, but also for the affections of Mary Abbott, a professor's daughter.