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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.

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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 2006, 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.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.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.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 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.

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 20-somethings.

But once on the train and no longer worried for her safety, she started to agonize over what she had just done."I never thought it would come to this. I mean, I had just gotten money for having sex," says Taylor, who never heard from the guy in Greenwich again. 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.

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.