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.
"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.
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 20-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 2011 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 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.
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.
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.