Tina offers to be a surrogate parent for Gary Windass (Mikey North) and Izzy Armstrong (Cherylee Houston), who are struggling to start a family on their own.
Keegan revealed to What's on TV that Tina wants to help out the couple as she is a "nice person", but "first and foremost, she sees she can make some money out of being a surrogate".
"She needs to get her and Tommy out of debt and this is one way she can do that," Keegan explained
The 25-year-old revealed that Tommy is upset when he finds out, saying: "He obviously thought that if and when Tina was to have a baby it would be theirs."
Keegan argued that Tommy demanding her to choose between him and the baby may backfire.
"It's a dangerous ultimatum to put to Tina," she said. "Wanting the money isn't only about Tommy. She saw her father suffer so badly because of his own financial woes and she sees this as a fresh start. She may well choose the surrogacy over Tommy!"
Off the Street, Keegan is currently rumoured to be dating rugby star Mark Flanagan, after splitting with The Wanted's Max George in July.