Lifeguard Stacey Chapman is dreaming of love, and drowning in bad decisions.

It's 1996, the summer before senior year, and Stacey attempts MTV cool-girl confidence while flirting with Jessie, a sexy skateboarder she's ogled all year. When Jessie pressures her into sex, Stacey's unprepared and afraid to say no. Too ashamed to confide in her mom or her best friend, Gabe, she conspires with another lifeguard to destroy Jessie's reputation, and in the process they obliterate Stacey's good-girl image. Finding refuge in her art teacher's watercolor workshop, Stacey finally begins to untangle who she has become from the art and music career she really wants. But before summer is over, a botched pool rescue snaps Jessie's spinal cord, and Stacey has to answer for her part in the tragedy.