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He said he lives next door in a penthouse apartment overlooking Central Park South and pays ,000 a month in rent.In his profile on Seeking Arrangement, Jack describes himself as a 67-year-old with a bachelor's degree. C., native says he founded four financial services companies.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 20-somethings happen to be an age demographic that intersects nicely with Jack's preferences."Most of these young women have debt from school," says Jack, who finds most young women also carry an average of ,000 in credit-card debt."I guess I like the college girls more because I think of their student debt as good debt. Wade, who started Seeking Arrangement back in 2006, can easily identify with the Jacks of the world."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.

She pocketed the envelope, seeing it as decent money for half a day's work. I mean, I had just gotten money for having sex," says Taylor, who never heard from the guy in Greenwich again. 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. "It's a very expensive job," says Jack, a 70-year-old sugar daddy, who describes himself as a "humanitarian" interested in helping young women in financial need.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.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.

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.



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