A few days later, Anna completes her first SAT course at Highgate School. She walks to Parliament Hill afterwards, feeling lighter. Then she runs into Callum. His dog tromps through the mud and jumps on Anna, muddying Faye’s pants. They talk somewhat more openly than they have in the past months, but Callum is still cold toward Anna. He accuses her of wearing Faye’s clothes, insisting she’s put him in an uncomfortable position with his friends. He feels compelled to lie about who she is because of what she’s told them. He also admits that he’s tired of his friends’ decadent lifestyle. Anna argues that he has nothing to complain about and that she’s not asking him to do anything for her. She tries dismissing herself to meet up with Liv and Andre, but Callum insists on walking her to the top of the hill. She notices how much more charming he is toward her friends.

Anna shirks her classwork to attend a dinner at the Savoy with Theo and the Wilders. Over dinner, she’s thrilled to see Pippa. Theo and Faye arrive late together. Faye remarks on the new dress Anna bought for herself but seems critical of her throughout the dinner. Theo acts strangely, too. Anna tries to let it go. She’s thrilled when Mrs. Wilder invites Anna to spend the summer with them back in Saint-Tropez.

Afterwards, Anna and Theo take a cab. Theo is distracted by his phone, but Anna hides her annoyance.

Tess surprises Anna with an all-expenses-paid trip to Lisbon for her birthday. She invites her friends Ginny and Zara, and Callum joins them, too. The friends spend the week gallivanting around the city. On Anna’s birthday, Theo surprises Anna by showing up. They all go out to a fancy restaurant for dinner. Anna is embarrassed by the display and the price of the food. She and Callum keep catching each other’s eye, smirking at the absurdity of it all. Anna tries to ignore her guilt and focuses on what a nice day she’s had. She especially enjoyed the moment when she and her friends saw a helicopter drop carnations over the river. Throughout the remainder of the meal, Anna considers how much her life has changed and wonders what her mother would think of her new experiences.

On their “last full day in Lisbon,” the friends split up (232). Anna spends the first half of the day shopping with the girls but excuses herself to see a local castle alone later. While out, she gets lost, and it starts raining. Alone and wet, Anna bursts into tears. When she slips on the cobblestone, Callum appears and wraps her in a hug.

Callum insists on bringing Anna to his aunt Lena and uncle Martim’s house nearby. They welcome Anna, lend her clothes, and serve her dinner. Feeling more comfortable, Anna finds herself alluding to her childhood more openly. After dinner, Anna and Callum retreat to the living room to look at Callum’s family’s old photo albums. Callum explains that he came from humble beginnings. His grandparents owned a restaurant, but none of their children wanted to take over the business. His dad went into finance, which is how his family has earned their money. Anna is surprised that he isn’t from old money. She tells him more about her family, too, admitting that she left home because she “felt so trapped there” (247). She then apologizes for putting Callum in an uncomfortable position with his friends. She’s just enjoyed being someone different with them. Callum suggests they’d understand if she told them the truth and encourages her to talk to Tess. Then he kisses Anna. Lena enters, interrupting the moment. Callum bolts up and insists they have to go. In the hallway, Callum tells Anna the kiss was a mistake; he isn’t willing to hurt his friends the way Anna is.

Anna and her friends get ready to return home. Amidst their goodbyes, a furious Andre calls Anna. He is about to get evicted because Anna hasn’t been paying the council tax and never told the subletter to cover it. Now there are late fees and court fees. Anna knows she can’t afford to cover it. Callum notices Anna is upset. She insists everything is fine and dismisses herself to the bathroom. Through tears, she checks her bank account. The only money she has is money for her student loan.

Anna doesn’t spend as much time with her new friends in the following weeks. She devotes herself to tutoring and course essays. She also decides to use her loan money to pay back Andre. She’s hopeful that when her payment from her Muswell Hill Academy SAT course comes through, she can pay her tuition bill.

Meanwhile, Anna worries about her relationships with Callum and Theo. She doesn’t know what her and Callum’s kiss meant and is hopeful she and Theo can keep seeing each other when he returns to London.

One night, Anna accepts Tess’s invitation to a party on Billionaires Row. She borrows one of Faye’s dresses for the occasion. On the way there, Anna and Tess talk more about academia and literature. She then reunites with Theo at the house party. Anna ignores his and his friends’ political conversations and tries to enjoy herself. She is somewhat relieved Callum isn’t there, surprised when the others reveal that he’s now giving legal advice to immigrants through a nonprofit.

Anna is enjoying herself until she sees Callum enter. He tries shouting something in her direction, but she can’t hear him across the room. Then she turns and sees Faye.

Faye confronts Anna about wearing her dress in front of all their friends. Tess jumps to her defense, insisting she has an excellent wardrobe of her own. Faye reveals that Anna has been lying to them: she works for the Wilders and isn’t a friend. She accuses Anna of stealing her things and sleeping with Theo to con the Wilders and their friends. Callum races in, defending Anna and leading her out of the party. Anna tries pulling away, but he doesn’t let her go until she’s safely in a cab.