Growing up is hard enough, but when five friends argue, cry, laugh, pledge, fight, and hang together on an HBCU campus, a bond is formed. Seleste is a college junior studying criminal justice, denying her feelings for Memo, and facing the pressure of being a virgin when temptation surrounds her. Her best friend, Cara, is a college junior who lives in the dorms and has a friend with benefits, Arnez, who is more concerned with pledging with Jermaine than Arnez is with Cara. Jermaine is caught between the two because Cara is his ex-girlfriend and Arnez is in his ship. Arnez's friend, Memo, is a troubled senior from New York who came to Chicago to escape his father's past as a crooked cop. Change for a Twenty is a fiction novel set in Chicago about five college friends, two nemeses, and the path to adulthood.