Stover at Yale by Owen Johnson

The first weeks of the competition for the crew were not exacting, and consisted mostly of eliminating processes. Stover had consequently still enough leisure to gravitate naturally into that necessity of running into debt which comes to every youth who has just won the privilege of a yearly allowance; the same being solemnly understood to cover all the secret and hidden needs of the flesh as well as those that are outwardly exposed to the admiration of the multitude.

Now, the lure of personal adornment and the charm of violent neckties and outrageous vests had come to him naturally, as such things come, shortly after the measles, under the educating influence of a hopeless passion which had passed but had left its handiwork.