Suze asks Michael how much debt he has. He doesn't even know. He says it's a very heavy burden, and makes him upset just to think about. Suze points out that Michael has the fortitude to have lost 150 pounds. He can deal with his financial problems as well as his obesity. Suze then asks Sunshine if she keeps track of her calories every day. She does in her head. So does Michael. Koli doesn't, even though he's supposed to. Danny tells him that if he wants to win, he should start doing it now. Danny assures the others that it's not too late to start counting every calorie and every quarter. Koli is inspired.

Suze is now ready to choose the winner of this season, based on FICO score and credit card debt and the magical Suze formula of doom. She was ready to name Koli the winner until she heard about his lack of calorie counting. Unless he changes his ways, she doesn't think he's going to win. She thus names Sunshine as her pick. Sunshine is quite pleased, and Koli is motivated to start keeping a calorie journal or something.

Danny stays to work out with the contestants. Bob and Jillian are thrilled to see him, and proud that he's stayed so skinny. Danny works out with Daris, and Bob reminds Daris not to get stressed, because he doesn't lose weight when he's stressed. Bob tells Daris that he knows what it takes to go the distance, and needs to keep doing it. Sunshine and Koli work out together and motivate each other. Koli says he's focusing on the confetti, and Sunshine snarks that she doesn't know if they do that for the at-home winner. Burn! Danny gives Drea a pep talk about needing to be on campus for yourself, and not anyone else. Jillian notes that the contestants have watched Danny's journey, so having him on campus to motivate them is just the ticket.

Jillian has to open a can of whoop-ass on Victoria when she stops on the treadmill. Victoria is apparently way behind the other contestants psychologically, and that's really hurting her in the gym. Jillian tells Victoria to figure it out quick. Victoria puts her head down, and Jillian yells at her to wake up and dig a little bit deeper. I guess the screaming in tandem with the beatings is the key to getting up to psychological par. Jillian gets in Victoria's face and asks Victoria what she's doing there. Victoria says she's trying to be the best, and Jillian tells her she's not doing a very good job. It's all because of her head. Victoria says she thinks she can't go anymore, and she doesn't know why. Dr. Phillian instructs her to dig deeper, and to run. She's ready to run Victoria until her legs fall off. Victoria stops midway through her run, and Jillian screams. Everyone else has been broken down and had breakthroughs already, says Jillian, and Victoria is going through it all in week thirteen instead of week three. She's like a bonus prize for Dr. Phillian to scream at! But it's going to take some time.