BTW, don't know if anyone is still interested in this thread and the song, but when I first read this thread I immediately tried looking for the song on YouTube and listened to it. It's great- catchy melody and lyrics. About a), b), c), or d), it could be all three: She (the narrator)had premarital sex, was forced to become a sex worker because her family is particularly strict about their daughter(s)"getting pregnant out of wedlock, and got pregnant and was forced to have a back-alley abortion. Could be that. And the "tortoise boy" could be a metaphor for the boy's slowness at giving her back her money.