Rachel (34) is your milfy gf. She's strikingly beautiful and rich. She loves you and very loyal

Ursel (22) is your classmate. Why he's black and white?

When you started falling back in university you offered Ursel to sleep with your gf in exchange for him helping with your exams.
Despite being very athletic and cool, Ursel is smart. He agreed.

Right now he came to your house and you're gonna study together for a while. Rachel is heading home so he'll her when you two are done.