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"I just wanted to get out of that situation as safely as possible, pay off my debt, and move on." While she and her host hadn't agreed to a set amount of money, on the drive back to the train station in Greenwich he handed her 0 in cash. I just did what needed to be done." And she's still doing what needs to be done.

She pocketed the envelope, seeing it as decent money for half a day's work. I mean, I had just gotten money for having sex," says Taylor, who never heard from the guy in Greenwich again. With tuition due in September to pay for her last semester of college, Taylor's back on the hunt for other, more lucrative online hookups. "It's a very expensive job," says Jack, a 70-year-old sugar daddy, who describes himself as a "humanitarian" interested in helping young women in financial need.

"Unlike a traditional escort service, I was surprised to find such an educated, smart population," says Jack, during cocktail hour recently at the Ritz-Carlton in Manhattan.

For a sugar daddy willing to pay up, the site says it verifies his identity, annual income, and net worth and then ensures his profile gets the most traction by continually allowing it to pop up in the top tier of search results.

Educated, debt-ridden 20-somethings happen to be an age demographic that intersects nicely with Jack's preferences.

As unemployment rates tick steadily higher, starting salaries have plummeted.

Meanwhile, according to Jeffrey Jensen Arnett, a professor of psychology at Clark University, about 85 percent of the class of 2011 will likely move back in with their parents during some period of their post-college years, compared with 40 percent a decade ago.

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