Blackthorn Farm by Arthur Applin (1883 - 1949)

But he was afraid. He had failed twice already. He could not afford to fail a third time. If he failed ruin faced him, and disgrace. His father had warned him that the money he had saved for his education had come to an end. Ruin for his father and his little sister! He had no idea how deeply Rupert was in debt. Rupert himself had only just realised it. And in desperation he had gambled to save himself. (Excerpt from 1st chapter by Arthur Applin)