Yes, let her borrow his hoodie

"I'm feeling generous," said Darren. "I'm going to let you borrow my hoodie."

"Thank you," said Annette with relief.

"But," he said. "Only for the exam. Then you have to give it back."

"W-what? But can I go home first and change?"

"These are my terms," he said. "Take it or leave it."

Annette looked at the clock. Only ten minutes until the exam.

"Fine!"

* * * * *

Annette rushed to the exam hall, tugging Darren's zipper hoodie down to cover as much as possible. It did just barely cover her backside, but her long legs were more exposed than her shortest skirt. And she definitely couldn't bend over.

When she got to hall, she was already two minutes late. Everybody turned to look at her. She awkwardly tugged down at the edge of the hoodie, making sure it hadn't ridden up at all.

She walked over to her seat. She realized that she didn't have a pencil. She had to walk up to the front of the room and ask the professor for a pencil. He gave it to her, admonishing her for being both late an unprepared.

On her way back to her desk, she was so nervous that she dropped the pencil. It made a loud echoing noise as it dropped on the hard floor in the silent exam hall.

Everyone turned to look at the noise. Annette stood there frozen. If she bent over to pick up the pencil ... there was no way that the hoodie would keep her covered in that position.

After an excruciating minute, she was still standing there, with the pencil on the floor, not sure what to do.

Finally, another student stood up and bent over to pick up the pencil. As he got close to the floor, Annette suddenly worried that he would be able to see right up through the bottom of the hoodie from his position down there! She crossed her legs tightly while still standing and tried to pull the hoodie tight around her as possible.

He handed her the pencil. She **** a smile and thanked him. Then she went back to her seat to start the exam.

Her next problem was when she tried to sit down. She realized that the hoodie was a lot shorter than a skirt. When she sat down, it rode up in the back. If she sat up perfectly straight, it was barely able to be held underneath her. If she were to lean at all forward, she realized it would pop up in the back, revealing her panties to everyone.

So she sat up stick-straight, being careful to breathe only shallowly, to try to keep the tiny bit of hoodie that was under her butt to stay there and not slip up.

She also had to keep her legs crossed tightly as she sat. After all, this had all started when Darren had got a glimpse up her skirt. Ever since that day, she didn't wear skirts to class anymore. Now she was wearing something far shorter and riskier.

Finally, the exam was over. She walked up to turn in her paper.

She thought about trying to rush back to her dorm to get dressed again before her next Philosophy class. But ... Darren had that photo of her in her underwear now. And he had said she only was allowed to keep the hoodie for the exam. If she didn't give it back to him now ... well, she didn't know what he was going to do.

* * * * *

Darren lounged in the study room, waiting for Annette to return. Finally, she did, looking very stressed.

"How did the exam go?" he asked coolly.

She just glared at him. "Now what?"

"Give me back the hoodie," he said.

"Please," she said. "There has to be another way. We have Philosophy coming up in 15 minutes..."

That's right, he thought. They both had the same Philosophy class next.

"Well," he said, "I guess you can keep the hoodie for one more class period..."

"Thank you!" she started, but he interrupted her.

"But, I'll need something else in return this time."

"W-what do you want?" she asked with trepidation.