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Meet sex partner without usin a credit card

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"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.

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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.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.Besides moving back home, many 20-somethings are beginning their adult lives shouldering substantial amounts of student loan debt.According to Mark Kantrowitz, who publishes the financial aid websites and, 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."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.

"But I can't walk into a bar and go up to a 25-year-old. So, this is how I go about meeting them." As he continues, he repeatedly glances over his shoulder to make sure no one is listening.

"Over the past few years, the number of college students using our site has exploded," says Brandon Wade, the 41-year-old founder of Seeking Arrangement.

Of the site's approximately 800,000 members, Wade estimates that 35 percent are students.

"College students are one of the biggest segments of our sugar babies and the numbers are growing all the time." Wade rewards students who use a email address to register on Seeking Arrangement by automatically upgrading their free, basic membership to a premium membership, allowing them to send unlimited free messages and granting them exclusive access to the site's cadre of VIP sugar daddies.

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." He bristles at the notion that he's merely running a thinly veiled, digital bordello, choosing instead to describe his site as one that facilitates "mutually beneficial relationships." 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.

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.