The Suite Life of Zack & Cody - Season 2 Episode 12

While Cody is preparing for the Boston Spelling Bee, Zack tries to borrow money from his mom for video games. When his mom won't give him money, he borrows from everyone else in the hotel. He finally borrows $30 at 20% interest from a rather large bully. He tells Zack to pay up, "or else." After Cody and the bully become the final two contestants, the bully offers Zack another out: get Cody to lose, "or else." Zack realizes that he should let Cody do his best. It turns out, however, that the "or else" isn't being beaten up- it's having his mom find out.