In this emotional romance, the young backwoods girl Tammy lives in a houseboat on the river. She is very sad because she hasn't heard from her college-student boyfriend in ages. Determined to be near him, she cruises her boat down to his university and enrolls. To pay expenses she gets a job. Her new boss is pleased and ends up borrowing Tammy's boat for a short vacation. She then gives the girl an expensive necklace. Tammy soon finds herself pursued by a handsome professor. Later, the niece of Tammy's boss becomes worried at her wealthy aunt's mysterious disappearance and organizes a search party. When she sees Tammy wearing her aunt's necklace, she assumes the worst and has the girl arrested. Later the conniving niece has her aunt tried for mental incompetence. Fortunately, Tammy's pleas are heard by the compassionate judge, her boss is deemed sane, and peace is restored.