Zack and Cody have to repair a wall that they damaged as punishment. London begins attending Maddie's private Catholic school due to her poor grades.

Cody is disappointed when he finds out that Zack is doing better than him in woodshop at school. London takes credit for a book that Maddie wrote.

Zack borrows money from a guest named Maynard to play video games, but starts to fear him when he can't pay it back. Cody enters a spelling bee. London and Maddie help a homeless family.

Zack makes a new rich friend, who is mean to Cody and thinks he is a dork. Maddie and London have to do a parenting project for school as partners.

Cody is graduating from 8th grade as class valedictorian. But Zack is horrified to learn that he has to attend summer school and tries to hide it from his parents. Meanwhile, Maddie becomes a camp counselor at a run down facility with less than ideal girls under her wing.