Carole, Stevie and Lisa have made big plans for the overnight campout for the students of Pine Hollow stables. When Stevie's parents refuse to pay unless she improves her grades, she decides to start hew own business and raise the money instead.

When three friends accompany their riding instructor to New York City to attend an important horse show, they meet their favorite actor, who asks them to help him learn to ride for his latest movie.

Upon learning that their riding instructor is in serious financial trouble, three friends drum up new business for him and arrange a riding demonstration--starring themselves!