POV: It’s cold out, and there’s a power outage. Your roommate comes into your room complaining about the cold. She begrudgingly climbs into bed with you and you get skin-to-skin in order to stay warm. She notices your cock is hard, and while she’s angry at first, she asks if she can touch it. She starts to suck it but pretty quickly decides this is wrong and turns over, pulling the blankets back over her. However, your cock is pressed against her ass and before you both know it, you’re rubbing it on the entrance of her pussy. Despite her insisting that you will not and CANNOT put it in, you end up inside of her as she pushes herself back onto you. She gets a cum on your cock, and the guilt comes over her… She pulls away and covers herself again. However, she notices you’re still rock-hard and is overcome with desire, again taking you in her mouth before laying back to submit to you in missionary. You fuck her more. She’s overwhelmed with feelings of guilt, wrongness, and intense pleasure. She teases you about cumming in her pussy before quickly backtracking and telling you you better not cum in her. Things ramp up as you both build to orgasm. She’s still resisting internally, but her body won’t stop. She ends up urging you to cum in her pussy, desperately exclaiming that she doesn’t fucking care - she needs your cum. You blow your load DEEP inside her as you both orgasm. She is at first filled with deep satisfaction and relief at having gotten the pleasure her body needed. However, guilt and panic quickly wash over her as she frantically explains that she’s not on birth control…