He was not content with a mere smattering, but learned it well enough to converse in it as well as to read it.
So most profitably the Junior year was spent, but unhappily James had spent all the money which he had brought with him.

Should he leave college to earn more?
Fortunately, this was not necessary.

Thomas Garfield, always unselfishly devoted to the family, hoped to supply his younger brother with the necessary sum, in installments; but proving unable, his old friend, Dr.Robinson, came to his assistance.
"You can pay me when you are able, James," he said.
"If I live I will pay you, doctor.

If I do not--" He paused, for an idea struck him.
"I will insure my life for eight hundred dollars," he continued, "and place the policy in your hands.

Then, whether I live or die, you will be secure." "I do not require this, James," said the doctor kindly.
"Then I feel all the more under obligations to secure you in return for your generous confidence." It was a sensible and business-like proposal, and the doctor assented.
The strong, vigorous young man had no difficulty in securing a policy from a reputable company, and went back to college at the commencement of the Senior year.