Oh, dear! I had never even heard of Monsterhearts until reading the thread in Worldbuilding, and do not have the core rules (I will try to get them at first opportunity), but I read the skins, and was grabbed--a character appeared fully formed, asking for validation, for existence (and I suppose technically she can do that...)
Her name is Alice Giselle Fairweather. Up until three years ago she led an idyllic life, the pampered, affluent daughter of David, a brilliant Silicon Valley entrepreneur, and Katya, his loving, artistic wife, a professional ballet dancer until her retirement. Unlike so many, they were devoted to each other and to their children, a son, James, and Alice, the younger child by four years. They were genuinely good people, appreciative of the fortune they'd earned, giving back to the community, and committed to many liberal social and environmental causes (of note, Katya taught dance to underprivileged and handicapped children; the wheelchair ballet she choreographed won special recognition and praise from so notable an organisation as DanceAbility International).
The family was on their way home from a perfect vacation in Banff where they'd gone to celebrate James' acceptance by MIT--as Daddy had put it, "Our last family vacation while the kids are still kids." He was more correct than he ever imagined, even in his worst nightmares. Their private plane went down; there were no survivors, but everyone thought Alice had somehow survived... (I need help here, since I don't know what the rules say about the physical remains of Ghosts.)
Alice blames herself, perhaps with some cause--her father, who was piloting the plane, had told her to shut off her cell phone, but she was texting her friends at the time of the crash. She lived long enough to see the mangled, lifeless bodies of the three people in the world she loved the most. When she was found she was sent to live with her aunt and uncle. Mike, David's older brother, is a tenured professor of economics at Western Washington University (in Bellingham); his wife, Johanna, is a research librarian at the Huxley College of the Environment, part of WWU. They were both gutted by the deaths of David, Katya, and James, (the whole extended family is/was very close) and gladly opened their hearts and home to Alice. Grief-stricken themselves, they understood her sadness, although it hurt them to see her forlorn aspect and pained eyes. Now, three years later, they've tried everything they know to comfort her, and are at a loss. It hurts Alice too, to know she's making them so unhappy, so when Uncle Mike tentatively suggested she enrol at CADY (all the information he and his wife could uncover and word-of-mouth reports suggested it could really help troubled kids and was a good place), she agreed.
Her moves would be Unresolved Trauma and Forgive and Forget, although that might be challenging to score game-mechanics-wise, since the only one she blames is herself. Her stats would be Hot 0, Cold 1, Volatile -1, and Dark 1.
Physically Alice is/was very pretty in a somewhat ethereal way--dark haired (French roast coffee coloured), grey-eyed, and alabaster-fair skinned, 5'3" tall and 100 lbs.