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A Hudson University co-ed, Caroline Pereira, dependent on financial aid, is found murdered with an unexplained influx of cash. Caroline's wealthy roommate, Gloria Kulhane, is found with one of Caroline's rings, making her a suspect as the two were not friends. Detectives Benson, Fin and Stabler have several theories about her murderer and their motive and investigate the various suspects; the roommate, her childhood friend, and someone connected to a heavily trafficked website where Caroline was selling term papers for cash.