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Taylor, a 22-year-old student at Hunter College, had confided in her roommate about the trip and they agreed to swap text messages during the day to make sure she was safe.

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.

"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 $350 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.

Besides moving back home, many 20-somethings are beginning their adult lives shouldering substantial amounts of student loan debt.

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