I'll caveat this review by mentioning that I've worked with the author, and I initially picked this up as the third "my friend wrote a book, I should read it" title so far this year. It's not a genre I typically read, and I had no idea what to expect. But although I know Ms. Charter, this review's honest -- if I hadn't thoroughly enjoyed the book, I'd simply not have commented on it.
What makes this book an engaging read is a set of fully three-dimensional, realistic characters that really feel pulled from streets of 90's New York. The story unfolds slowly -- the conflict doesn't fully emerge until fairly late in the tale -- but you don't care, because you're quickly drawn in by both the lead character and her supporting cast. You care about the characters, and you want to jump into the book and shake them when they make the kind of bad calls that 19-year-old women often find themselves making.
I'll keep this vauge to avoid spoilers, but if the book has any flaw, it's that the wrapup is a bit fairy tale. This isn't a lesson book, because while some of the supporting characters end up paying for their indiscretions or bad decisions, the turn of events towards the end of the book is, um, better than things typically work out in such situations. When you read it -- and you SHOULD read it, it's a heckuva great read and a steal at the price! -- imagine the book ending before the epilogue. Then just imagine the epilogue is a Lord of the Rings-style extended ending added in the director's cut. :)
But minor ending nitpicks aside, I have to laud the author, because for the first time in my life, I think I finally have an inkling of understanding (and sympathy!) as to why some young women make decisions that seem to fly in the face of all good judgement. You'll feel happy for the lead character, Michelle, you'll feel sad for her, and you'll wish you could talk some sense into her. How often does a character feel that real?