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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."I only go out with girls 25 and under," says Jack, whose thick head of white hair and bushy eyebrows form a halo around a red, flushed face.

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NEW YORK -- On a Sunday morning in late May, Taylor left her Harlem apartment and boarded a train for Greenwich, Conn.

She planned on spending the day with a man she had met online, but not in person.

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.

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.

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 month prior, faced with about ,000 in unpaid tuition and overdue bills, Taylor and her roommate typed "tuition," "debt," and "money for school" into Google. 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.

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.

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.

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