#i havent been writing a lot lately bc a new planet zoo pack came out vsjlkdf

[rafeandonlyrafe]

iou

words: 1.9k

warnings: 18+ only, smut, p in v sex, unprotected sex (but reader is on birth control), friends to lovers, college!au (briefly), kind of nerdy reader but like more studious, partying, drinking

“seriously, y/n. anything. id pay-shit, id do anything. please.”

the final word out of rafes mouth is finally what breaks you as you slump against your seat. “fine!”

“thank you, thank you.” rafe says, hand gripping yours.

“you know how much extra work i have already rafe.” you whine. it's your fault truly for being an overachiever in college. everyone knows getting paired with you means you immediately take over all the work, having to do double or triple what the other students deal with.

“and that's why ill do anything for you. tell me whatever you want.” rafe pulls his wallet out, thinking you'd ask for money.

in your twelve years of being friends, you've never really shown an interest in money, especially when your parents have enough to send you to the best university, just like the cameron family.

“i don't want your money, rafe.” you roll your eyes. “you just… you just owe me, okay? ill figure it out later, i need to get to work on your assignment now.”

thankfully it's just an essay for a subject you already know a decent bit about, and you don't want to make it too good to make people suspicious of rafe submitting work clearly not done by him, but at the same time you want to save him from failing the class.

“thank you.” rafe says again. “you're actually the coolest girl here.”

you roll your eyes. if only rafe actually saw you that way. he's turned out to be a great friend, especially now that you're away from the outer banks, but he's still the life of every party, the guy all the girls look to. 

it's lead to some uncomfortable moments of trying to figure out if the new friends you were making were just using you to get close to him. 

you realized long before college that rafe didn't see you like other girls. you were his friend first, and a girl his age second. he never once tried to hit on you, even though you desperately wished things would change when you both decided on the same college.

--

“you know, i still owe you.” rafe says, setting a glass of lemonade down in front of you. “never would have passed that class without your essay.”

you smile, taking a sip. “oh, i haven't forgotten.”

you're home for the summer, back in the outer banks with no stress of classes, able to truly relax and unwind.

“seriously, ask for anything, anytime.” rafe says, taking a sip of his beer, the bottle already dripping with condensation.

“ten million dollars?” you smile and tilt your head to the side, making rafe roll his eyes before laughing.

you've only grown closer to rafe since coming home. you thought he'd be excited to see his friends who stayed on the island, but hes more interested in hanging out with you now that you're not busy.

“you're coming to the party this saturday right?” rafe asks. “topper told you about it?”

“yup.” you nod. “he texted me.”

“oh…” rafe hums, suddenly feeling a bite of jealousy he didn't expect. 

“wanna help me pick out a dress to wear?” you ask rafe. you have girl friends that you could talk to, but honestly, the more time you spend with rafe, the more open he becomes, and the less you want to see anyone else.

“absolutely.” 

--

rafe admires his choice as you bring back a drink for him, having just emptied your own glass. 

“here ya go.” you hand him the glass of whiskey before setting your drink down on the table in front of you. you tuck the skirt under your bum as you sit down. of course rafe had to go for the smallest and tightest dress you own, claiming he just really liked the color.

“you're the best.” rafe smiles at you, a soft, slightly drunk, twinkle in his eye.

“yeah, yeah, yeah.” you roll your eyes, tipping your feet to the side to get some weight off your heels. it's been too long since you've worn anything other than sneakers and crocs.

“seriously.” rafe moves his chin to his knuckles, elbow resting on the side of the couch. “you helped me with my essay and so much more when we were at college and you're not even sick of me and telling me to fuck off now that we're back home.”

“id never tell you to fuck off.” you shake your head, taking a large sip of your drink, feeling it immediately add to your buzz.

“we should dance.” you suggest, looking at the crowd of bodies all twisting together in time with the music.

“is that you using the iou?” rafe asks.

you stand up, looking down at rafe. “i need to use an iou to have you dance with me?”

“nope.” rafe stands suddenly, making you aware of how close you are, chests practically touching, mouths hovering not far apart.

you hesitate, just as rafe seems to freeze, before you both move in, rafes lips smashing against yours as you kiss wildly, hands not shy despite all the people around as rafes large palms squeeze your ass, while yours dive underneath his shirt, feeling his muscles.

“fuck, upstairs.” you gasp, rafes lips moving to allow you to catch your breath, but only to kissing your jaw.

rafe doesn't speak, simply lifts you up and allows you to wrap your legs around his waist. you don't care that your dress bunches up and makes your underwear clearly visible to everyone passing by, now when your lips are on rafes neck while he carries you.

as he bounds up the stairs, moving as quickly as he can, you take a moment to suck a hickey into his tanned skin. no way you're going to let this moment go without claiming him for yourself.

rafe pushes into a random guest bedroom. the bed is stripped down to just a sheet, but it'll do as he locks the door behind him, hands fumbling briefly at the doorknob before securing it.

rafe lays you back on the bed, glad to have his lips reconnect with yours as you begin to kiss again, both completely unencumbered by what the kiss means with the alcohol flowing through your bodies.

rafe held himself back for so long, not wanting to ruin his friendship, that he has to force himself to not go wild and immediately tear your dress off.

“baby-” rafe gasps out. 

“if you want to stop, im using my iou to get you to fuck me.” 

“no.” rafe laughs and shakes his head. “save it for when we are arguing over where to eat or what we want to name our future child. im going to fuck you.”

you feel your cheeks flare up, clearly rafe is thinking of this as the start of a relationship, not just a one time hookup, and you couldn't be more happy and relieved.

“fuck me then.” it's all you need to say to get rafe moving again, hands pawing at your dress as you work it off your body, leaving you in nothing but a strapless bra and a tiny thong you put on hoping rafe would see it.

you pull at rafes shirt, a pout on your lips, asking him to take it off without using words.

rafe is quick to oblige you, tossing his shirt somewhere in the room as your lips reconnect, rafes hands gripping at your chest while you feel the muscles along his arms and shoulders.

“i-i need you so bad. i don't have a condom though.” rafe would go down to the party half naked begging for one if you really wanted him to.

“it's okay, im on birth control.” you take rafes hand and press it to your arm, allowing him to feel your implant. “and im clean.”

rafe nods, a smile breaking out on his face just at the thought of getting to have you bare. “im clean too.”

“what are you waiting for then?”

rafe is quick to finish undressing you, practically drooling when he sees your tits, teased so long by only getting to see them underneath sweaters and tshirts, teased by sneaking peeks while you were busy studying or deep in thought.

he takes a moment to press a kiss to each of your nipples, watching them bloom underneath the touch, but he will have all the time in the world to focus on them later as he moves to undressing himself, pushing his shorts and underwear down in one quick movement.

“oh.” your eyes widen when you see rafes cock for the first time.

“ill be gentle.” rafe says, pulling your thong down your thighs. “promise.”

“okay.” you nod, allowing yourself to relax as you rest against against the bed, feeling the way rafe positions himself until your eyes blink open and see his face hovering above yours.

“what?” you ask, suddenly feeling shy as you blush.

“nothing. you're just beautiful.” rafe bends down to kiss you at the same moment his cock presses against your entrance, his lips keeping you distracted from tensing up as he slowly pushes in, being as gentle as he possibly can with his length until he's seated fully inside of you.

“you're so-” rafe gasps out. “warm and wet.”

“of course im wet.” you giggle. “wanted this for so long.”

“wish i would have stopped trying to be the perfect friend and just did this earlier.” rafe shakes his head with a slight laugh. “you- you feel amazing.”

“you can move.” you nod to rafe.

he keeps his movements slow and steady, watching your face as he does, fully focused on just your pleasure.

“faster, it's okay.” you tell rafe, hands gripping his shoulders as he begins to move, hips swinging in faster, meeting yours in a loud slap until it's clear to everyone outside of the room exactly what is happening.

your moans grow as well until you're making constant noises, drowned out past the door by the music pumping through the speakers. rafe swears the way you sound right now is better than any other song.

he drops a hand to your pussy, shifting his weight onto one elbow as his thumb finds your clit, rubbing over it as he learns what you like, watching the way your face twists and contorts in pleasure.

“gonna-gonna cum.” you warn.

“im close too.” rafe says. he could have cum the moment he pushes inside you, but he's been waiting for you to be ready to release, wanting to meet your highs at the same time.

“inside me, rafe.” you don't want him to pull out, you want to feel what it's like to have him release inside of you.

he nods rapidly, breathing deeply as he focuses on your clit, ignoring the swelling of his cock until your head tips back and pussy tightens, and then he crumbles.

--

you never end up using your iou. not when you go back to college and you rope him into helping you study late at night. 

not even when planning your wedding where rafe jokes about you using it to have your first dance song be to taylor swift, but he concedes and agrees without you needing to use it.

not when you're raising your child together and you want to dress your daughter up in a pink bunny costume for easter, while rafe wants her in a more traditional dress.

you never need to use it when you want rafe to kiss you, to hold you, to make love to you, because that's exactly what he wants to be doing anyways.