A free-spirited 15-year-old girl flirts with a dangerous stranger in the Northern California suburbs and must prepare herself for the frightening and traumatic consequences.

Pamela Smart knows exactly what she wants and is willing to do anything to get it. She is fed up with teaching, and her marriage offers little excitement. Looking for a way out she applies for a job at a local TV station. When her dreams of fame are dashed by rejection, she seduces 15-year-old Billy, one of her students. Pam challenges Billy to prove his love for her by getting rid of her husband. The stakes heat up with a huge insurance policy on her husband's life.