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But once on the train and no longer worried for her safety, she started to agonize over what she had just done. Jack isn't the name that appears on his American Express black card, but an identity he uses when shopping online for companionship and sex.

Jack says he meets up twice a week with a young woman from Seeking Arrangement.

She and her host ended up in his bedroom, where he peeled off her bikini.

"I just wanted to get it over and done with as quickly as possible," recalls Taylor, forcing out a nervous smile.

But unlike other dating sites, where a user might also list preferred hobbies or desired traits, Taylor instead indicates preferences for a "sugar daddy" and an "arrangement" in the range of

But once on the train and no longer worried for her safety, she started to agonize over what she had just done. Jack isn't the name that appears on his American Express black card, but an identity he uses when shopping online for companionship and sex.Jack says he meets up twice a week with a young woman from Seeking Arrangement.She and her host ended up in his bedroom, where he peeled off her bikini."I just wanted to get it over and done with as quickly as possible," recalls Taylor, forcing out a nervous smile.But unlike other dating sites, where a user might also list preferred hobbies or desired traits, Taylor instead indicates preferences for a "sugar daddy" and an "arrangement" in the range of $1,000 to $3,000 a month.Saddled with piles of student debt and a job-scarce, lackluster economy, current college students and recent graduates are selling themselves to pursue a diploma or pay down their loans.He typically forks over about $500 a night -- and that's not including lavish dinners at Daniel or shopping excursions on Madison Avenue.

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But once on the train and no longer worried for her safety, she started to agonize over what she had just done. Jack isn't the name that appears on his American Express black card, but an identity he uses when shopping online for companionship and sex.

Jack says he meets up twice a week with a young woman from Seeking Arrangement.

She and her host ended up in his bedroom, where he peeled off her bikini.

"I just wanted to get it over and done with as quickly as possible," recalls Taylor, forcing out a nervous smile.

But unlike other dating sites, where a user might also list preferred hobbies or desired traits, Taylor instead indicates preferences for a "sugar daddy" and an "arrangement" in the range of $1,000 to $3,000 a month.

,000 to ,000 a month.

According to Mark Kantrowitz, who publishes the financial aid websites and Finaid.org, while the average 2011 graduate finished school with about ,200 in debt, many are straining to pay off significantly greater loans. This particular dynamic preceded the economic meltdown, of course.

But after taking a big hit in the financial crisis and being forced to downsize, Jack says he had to part ways with his private jet due to what he describes as "reduced circumstances." On the site, he lists his annual income as

According to Mark Kantrowitz, who publishes the financial aid websites and Finaid.org, while the average 2011 graduate finished school with about $27,200 in debt, many are straining to pay off significantly greater loans. This particular dynamic preceded the economic meltdown, of course.

But after taking a big hit in the financial crisis and being forced to downsize, Jack says he had to part ways with his private jet due to what he describes as "reduced circumstances." On the site, he lists his annual income as $1 million and his net worth as something between $50 and $100 million.

While sugar babies can create profiles on Seeking Arrangement free of charge and a regular sugar daddy membership costs $50 each month, Jack pays $2,400 a year to belong to the Diamond Club.

"Most of these young women have debt from school," says Jack, who finds most young women also carry an average of $8,000 in credit-card debt.

"I guess I like the college girls more because I think of their student debt as good debt. Wade, who started Seeking Arrangement back in 2006, can easily identify with the Jacks of the world.

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According to Mark Kantrowitz, who publishes the financial aid websites and Finaid.org, while the average 2011 graduate finished school with about $27,200 in debt, many are straining to pay off significantly greater loans. This particular dynamic preceded the economic meltdown, of course.But after taking a big hit in the financial crisis and being forced to downsize, Jack says he had to part ways with his private jet due to what he describes as "reduced circumstances." On the site, he lists his annual income as $1 million and his net worth as something between $50 and $100 million.While sugar babies can create profiles on Seeking Arrangement free of charge and a regular sugar daddy membership costs $50 each month, Jack pays $2,400 a year to belong to the Diamond Club."Most of these young women have debt from school," says Jack, who finds most young women also carry an average of $8,000 in credit-card debt."I guess I like the college girls more because I think of their student debt as good debt. Wade, who started Seeking Arrangement back in 2006, can easily identify with the Jacks of the world.

million and his net worth as something between and 0 million.

While sugar babies can create profiles on Seeking Arrangement free of charge and a regular sugar daddy membership costs each month, Jack pays ,400 a year to belong to the Diamond Club.

"Most of these young women have debt from school," says Jack, who finds most young women also carry an average of ,000 in credit-card debt.

"I guess I like the college girls more because I think of their student debt as good debt. Wade, who started Seeking Arrangement back in 2006, can easily identify with the Jacks of the world.

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