Character with a Zillion Names

I've been trying to get back in the writing saddle this week, working on plotting and flushing out beats and scenes for the book. My first novel I pantsed. For those non-writer out there, that means I just started writing with an idea and little else, not that I embarrassed my book by displaying it's awesome My Little Pony underoos. :) At any rate, I just started writing with my first novel and it ended rather disastrously. I hummed along quite well until about two-thirds of the was through the book and then I fell apart. I knew where I wanted it to end, but I just couldn't get there. So, for my second book, I've decided to do some serious plotting. I been using Save the Cat (which is awesome) and The Writer's Journey (also awesome) to help me pace the story and make sure that I have all of the proper beats in it.

So anyway... long story to get to a shorter point, in the process of planning a scene on Monday, a new character popped up. This totally stopped me in my tracks, because while I could picture her and knew exactly what her personality was going to be... I don't have a name for her and it's driving me nuts! NUTS!

Being a teacher, I've had a really hard time finding names for my characters. I've taught so many kids over the years, that lots of names have connotations with them... sometimes good, sometimes bad. And to add to that complication, I always get all wrapped up in the meaning on the name. Envisioning high school English students years from now analyzing my choices and writing papers about how fitting my names are. Ugh. So I'm just stuck... I have my main characters' names: Katy and Tom, though now it makes me think of Katy Holmes and Tom Cruise... so that may not work out. :P But this third character... no idea what she's going to be named.

So... I'm turning to you my lovely readers. Any suggestions? For my writer friends out there, how do you come up with your names? I'm floundering a bit here... I get so lost in baby name websites. And if it helps- girl in question is poor, shy, very kind, smart, loyal, and plain but pretty... at least that's what I've gotten of her so far.