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She planned on spending the day with a man she had met online, but not in person. Taylor, a 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. Once in Greenwich, a man who appeared significantly older than his advertised age of 42 greeted Taylor at the train station and then drove her to the largest house she had ever seen. He changed into his swimming trunks, she put on a skimpy bathing suit, and then, by the side of his pool, she rubbed sunscreen into the folds of his sagging back -- bracing herself to endure an afternoon of sex with someone she suspected was actually about 30 years her senior.

Taylor doubted that her client could relate to someone who had grown up black and poor in the South Bronx. A website called SeekingArrangement. Intrigued by the promise of what the site billed as a " college tuition sugar daddy ," Taylor created a "sugar baby" profile and eventually connected with the man from Greenwich.

Neither she nor any of the other women interviewed for this article permitted their real names be used. In her profile on the site, Taylor describes herself as "a full-time college student studying psychology and looking to meet someone to help pay the bills. 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.

An increasing number, according to the owners of websites that broker such hook-ups, have taken to the web in search of online suitors or wealthy benefactors who, in exchange for sex, companionship, or both, might help with the bills.

The past few years have taken an especially brutal toll on the plans and expectations of somethings. 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 will likely move back in with their parents during some period of their post-college years, compared with 40 percent a decade ago.

Besides moving back home, many somethings are beginning their adult lives shouldering substantial amounts of student loan debt. According to Mark Kantrowitz, who publishes the financial aid websites Fastweb.

Enter the sugar daddy, sugar baby phenomenon. This particular dynamic preceded the economic meltdown, of course.

Rich guys well past their prime have been plunking down money for thousands of years in search of a tryst or something more with women half their age -- and women, willingly or not, have made themselves available. With the whole process going digital, women passing through a system of higher education that fosters indebtedness are using the anonymity of the web to sell their wares and pay down their college loans. Of the site's approximately , members, Wade estimates that 35 percent are students.

Wade rewards students who use a. The site also includes a complimentary stamp on student profiles, certifying them as a "college sugar baby.

Wade sees his company as providing a unique service, a chance for "men and women living through tough economic times to afford college. Taylor doesn't explicitly refer to what she was doing in Greenwich as prostitution, but she now allows that her primary motivation was, indeed, money. She and her host ended up in his bedroom, where he peeled off her bikini. She pocketed the envelope, seeing it as decent money for half a day's work. But once on the train and no longer worried for her safety, she started to agonize over what she had just done.

I got on the train and I felt dirty. I mean, I had just gotten money for having sex," says Taylor, who never heard from the guy in Greenwich again. I needed the money for school. I just did what needed to be done. And she's still doing what needs to be done. 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.

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. In his profile on Seeking Arrangement, Jack describes himself as a year-old with a bachelor's degree. Prior to retiring, the divorced Charleston, S. 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.

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 somethings happen to be an age demographic that intersects nicely with Jack's preferences. They'd think I'm a pervert. So, this is how I go about meeting them.

At least it seems like I'm helping them out, like I'm helping them to get a better life. Wade, who started Seeking Arrangement back in , can easily identify with the Jacks of the world. He created the site for fellow high-net-worth individuals who "possess high standards but don't have a lot of time to date the traditional way. Wade, whose legal name is Brandon Wey, says he changed his name to better appeal to his clientele.

Wade got the idea for Seeking Arrangement more than 20 years ago, while in college at the Massachusetts Institute of Technology. Watching from the sidelines as his beautiful dorm mates pursued significantly older, moneyed men, Wade fantasized about someday becoming one such man. After business school at MIT and stints at General Electric and Microsoft, Wade dabbled in various start-ups before finally creating his own.

Awkward and shy, he started Seeking Arrangement in part because of his own inability to attract younger women. I'd write hundreds of emails and only get one or two replies," says Wade, who is now divorced.

He says married men account for at least 40 percent of the site's sugar daddies. Sugar babies outnumber sugar daddies by a ratio of nearly 10 to 1.

Wade declined to disclose how much money he makes from the site. Debt-strapped college graduates weren't included in his original business plan.

But once the recession hit and more and more students were among the growing list of new site users, Wade began to target them. The company, which is headquartered in Las Vegas, now places strategic pop-up ads that appear whenever someone types "tuition help" or "financial aid" into a search engine. And over the past five years, Wade says he's seen a percent increase in college sugar baby membership -- from 38, college sugar babies in to , college sugar babies by July of this year.

The site identifies clients who might be students by the presence of a. Although, it should be noted that individuals without. At The Huffington Post's request, Seeking Arrangement listed the top 20 universities attended by sugar babies on the site.

They compiled the list according to the number of sugar babies who registered using their. The University of California at Berkeley ranks at No. Seeking Arrangement is hardly the only website with a business model that revolves around the promotion of sugar daddy and sugar baby relationships. More than half a dozen websites advertise such services.

Find that special someone to help you with books, dorm, rent or tuition today! Beautiful, intelligent, and classy college students, aspiring actresses or models. While more conventional dating site Match. According to online dating entrepreneur Noel Biderman, unlike conventional dating sites, "arrangement-seeking" websites are the only ones where women consistently outnumber men.

Biderman says the lone exception to this rule is eHarmony. He's also the creator of AshleyMadison. Currently, Avid Life Media operates two websites that promote what the company calls "mutually beneficial relationships.

On one such site, EstablishedMen. Much like Seeking Arrangement's Google ads, Biderman advertises his arrangement-seeking websites on MTV and VH1, since both television stations appeal to the demographic he covets. After sampling the profiles of some of the women on his sites, Biderman concludes their debt, combined with a weak economy, has many clamoring for a sugar daddy to call their own.

Their search makes sense to Biderman, who volunteers that, while now married, he would have made for an excellent sugar daddy in his younger days. It's tough to pay that amount of debt down, live in a decent city and still be able to socialize and do fun things.

At some point, you'll have to start making major sacrifices," he says. That becomes a real game-changer in how you get to live your life. Biderman finds some women seek arrangements to help get them through a particularly difficult week or month, while others saddled with significantly more debt might search for a longer-term, more lucrative hookup. Either way, Biderman sees men wanting "young, vivacious arm candy while women want a guy who can take them out for a Michelin two-star dinner, take them on the trip of their dreams, or who knows, maybe they'll even find some guy to pay off their debt.

When Barb Brents, a professor of sociology at the University of Nevada, Las Vegas, conducts research in various legal brothels in the state, she finds women hailing from a variety of different backgrounds.

Brents often finds that women turn to sex work when, in their professional lives, they're unable to make ends meet. Brents equated modern-day college students seeking online sugar daddies to a phenomenon among young, working women nearly a century ago.

During the s and s, some young women who worked at minimum-wage jobs during the day would supplement their meager paychecks by meeting up with male suitors at night.

They'd swap companionship and sex in exchange for either a clothing allowance or rent money. Such women, explains Brents, never referred to themselves as prostitutes. With the exception of women who consider sex work their profession, Brents finds that nearly all the women she encounters in her research describe it as a temporary, part-time, stopgap kind of measure.

When meeting men online, she sometimes goes by the name of Suzanne. Earlier this spring, after Suzanne got fired from her job as a waitress at a diner on the Upper East Side, a girlfriend suggested she create a profile on Seeking Arrangement. Suzanne had grown desperate after falling behind on rent.

Suzanne already has an associate's degree in elementary education from a community college in New Jersey. Unable to find a job as a teacher's aide, she decided to enroll in paralegal classes at night.

But after losing her job, the extra debt proved more than she could afford. Over the past few months, Suzanne says she's gone on more than 40 dates with men from the site. She's not interested in getting wined and dined every single time.

At a minimum, she hopes for at least a modicum of attraction. She's already turned down a man who weighed pounds, as well as the advances of countless married men.

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Biderman says the lone exception to this rule is eHarmony. He's also the creator of AshleyMadison. Currently, Avid Life Media operates two websites that promote what the company calls "mutually beneficial relationships. On one such site, EstablishedMen.

Much like Seeking Arrangement's Google ads, Biderman advertises his arrangement-seeking websites on MTV and VH1, since both television stations appeal to the demographic he covets. After sampling the profiles of some of the women on his sites, Biderman concludes their debt, combined with a weak economy, has many clamoring for a sugar daddy to call their own.

Their search makes sense to Biderman, who volunteers that, while now married, he would have made for an excellent sugar daddy in his younger days.

It's tough to pay that amount of debt down, live in a decent city and still be able to socialize and do fun things. At some point, you'll have to start making major sacrifices," he says. That becomes a real game-changer in how you get to live your life. Biderman finds some women seek arrangements to help get them through a particularly difficult week or month, while others saddled with significantly more debt might search for a longer-term, more lucrative hookup.

Either way, Biderman sees men wanting "young, vivacious arm candy while women want a guy who can take them out for a Michelin two-star dinner, take them on the trip of their dreams, or who knows, maybe they'll even find some guy to pay off their debt. When Barb Brents, a professor of sociology at the University of Nevada, Las Vegas, conducts research in various legal brothels in the state, she finds women hailing from a variety of different backgrounds.

Brents often finds that women turn to sex work when, in their professional lives, they're unable to make ends meet. Brents equated modern-day college students seeking online sugar daddies to a phenomenon among young, working women nearly a century ago. During the s and s, some young women who worked at minimum-wage jobs during the day would supplement their meager paychecks by meeting up with male suitors at night.

They'd swap companionship and sex in exchange for either a clothing allowance or rent money. Such women, explains Brents, never referred to themselves as prostitutes. With the exception of women who consider sex work their profession, Brents finds that nearly all the women she encounters in her research describe it as a temporary, part-time, stopgap kind of measure.

When meeting men online, she sometimes goes by the name of Suzanne. Earlier this spring, after Suzanne got fired from her job as a waitress at a diner on the Upper East Side, a girlfriend suggested she create a profile on Seeking Arrangement.

Suzanne had grown desperate after falling behind on rent. Suzanne already has an associate's degree in elementary education from a community college in New Jersey. Unable to find a job as a teacher's aide, she decided to enroll in paralegal classes at night. But after losing her job, the extra debt proved more than she could afford. Over the past few months, Suzanne says she's gone on more than 40 dates with men from the site.

She's not interested in getting wined and dined every single time. At a minimum, she hopes for at least a modicum of attraction. She's already turned down a man who weighed pounds, as well as the advances of countless married men.

Though desperate, Suzanne says a homewrecker she is not. Following numerous emails and chats on the phone, Suzanne generally schedules a first meeting with a man in a public place -- a crowded restaurant, cafe or bar. After nearly giving up on finding an arrangement, Suzanne recently met a year-old college professor from Dover, N.

So far, the two have gone on three dates. They typically meet at his house, where he usually cooks her dinner. Afterwards, they have sex. It's not bad money for a night. Mostly, she doesn't want the men thinking she's only seeing dollar signs, pegged to when her rent or tuition money is due. While she does not label herself a prostitute, Suzanne's not one to mince words: Weitzer says arrangement websites operate lawfully since simply advertising for a sugar daddy or sugar baby is within the realm of legality.

Allen Lichtenstein, a private attorney in Las Vegas who specializes in first amendment issues, affirms that in order for an exchange to be classified as prostitution there has to be a clear "meeting of the minds" that the arrangement is a quid pro quo, or exchange of sex for money. Absent an immediate sex-for-pay exchange, the legal waters grow far murkier. It would simply cover too much ground.

But Weitzer views more extended, involved relationships -- say, a monthly stipend or dinner and occasionally having sex -- as ways for both "college girls and sex workers to camouflage what's very likely prostitution.

Weitzer sees college women as particularly susceptible to entering such an arrangement, especially during times of economic distress. Weitzer also sees a potential danger for young women getting sucked into making large sums of money and later finding it difficult to abandon such a lifestyle.

A year ago, Dayanara started dating an older, married executive while working as a summer intern at an investment bank in New York. The two would meet up once every few weeks, for a night out in Miami or a romantic weekend in the Caribbean.

Dayanara, now 23, would set some of the money aside for school and living expenses, often sending the remainder home to her parents in Puerto Rico. Eventually, the relationship soured. In May, Dayanara moved back to New York. Rather than look for a job on Wall Street, she began an elaborate online hunt for other hookups.

She says she's now engaged in three separate sugar daddy relationships, in addition to working part time as a topless masseuse on the Lower East Side. On her profile on Seeking Arrangement, she describes herself as a M. Meanwhile, she's paying off her debt and saving for her dream graduate school: Her biggest fear is that one of these days she'll run into one of the bankers from her former life.

Six of the eight women interviewed for this article mentioned the longer-term psychological toll of pretending to be someone else.

Double lives and dual identities are common for both the women and men involved in sugar relationships. Lately, when Dayanara catches her reflection in a storefront window, she says she sometimes doesn't know which version of herself is staring back. To play it safe, Dayanara and most of the women generally tell one friend where they're going. In the case of Suzanne, neither her father, who works as an emergency room physician, nor her mother, who works as a registered nurse, knows about her new job.

Both Suzanne and Dayanara also have to keep their work hidden from most of their friends, fearing the stigma associated with revealing their secret. You're involved in both a secret world and a public world," says Weitzer.

The question becomes how well you can manage this cognitive dissonance. Besides the stress, Weitzer mentions other challenges for the college student hoping to leave sex work behind and eventually assume a nine-to-five gig. Gaps on resumes notwithstanding, the difference in pay can come as quite a shock. As two enterprising anthropology undergraduates at George Washington University, Elizabeth Nistico and Samuel Schall tackled the phenomenon of sugar daddy culture for a recent school project.

Schall studied young, gay sugar babies, and Nistico explored the straight scene. Of their study's participants, more than half said the money they received financed their education. On average, the relationships lasted between three and four months. Nistico found that some of the sugar babies used the excuse of the economic downturn for behavior she thinks they would still have otherwise condoned.

Ronald Roberts and Teela Sanders, two social science professors in the U. They fear that as college costs continue to rise, more students will pursue sex work. Roberts asked college students at a university in London about their participation in sex work.

The findings were stark. Nearly 17 percent said they would be willing to participate in the sex trade in order to pay for their education, while 11 percent indicated a willingness to work directly as escorts.

A decade ago, only 3 percent answered in the affirmative. Today's respondents are far more likely to have peers who are working in the industry. This past spring, two researchers at Berlin's Humboldt University reported somewhat similar findings in other parts of Europe.

In Berlin, a city where prostitution is legal, they found that one in three university students would consider sex work as a viable means of financing their studies. Nearly 30 percent of students in Paris similarly responded in the affirmative. Finally, of the 3, Berlin students sampled, 30 percent of students working in the sex industry reported being in some amount of education-related debt. Roberts fears arrangement-seeking websites are but another invitation for rich men to abuse young, vulnerable women.

She's a year-old recent graduate of Sarah Lawrence College. She also wouldn't mind a clothing allowance or rent money for her studio apartment in New York's East Village. A week ago, she boarded a plane to Florida to spend the weekend with a something banker she met on SugarDaddie. He told her his house was undergoing a renovation and instead drove her to a nearby hotel, where they spent the night together.

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