One kiss changed his world. One love left him in debt.Luca never imagined a kiss from the girl next door older, wild, and impossibly captivating, would be the start of everything. From juggling secrets and stolen moments to falling hard for a mysterious airport girl named Yana, his life becomes a whirlwind of love, lies, and mounting loans.As romance deepens, so does the cost of keeping it alive. With debt collectors knocking and a heart full of hope, Luca is faced with one final question: Was she ever real-or just another effect of a kiss? Effect of a Kiss: Love to Loans is a heart-wrenching, humorous, and unforgettable coming-of-age romance about love's beauty, its betrayal, and the price we pay when we give it everything.
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