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"I just wanted to get out of that situation as safely as possible, pay off my debt, and move on." While she and her host hadn't agreed to a set amount of money, on the drive back to the train station in Greenwich he handed her $350 in cash. I just did what needed to be done." And she's still doing what needs to be done.

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 $27,200 in debt, many are straining to pay off significantly greater loans. This particular dynamic preceded the economic meltdown, of course.

He typically forks over about $500 a night -- and that's not including lavish dinners at Daniel or shopping excursions on Madison Avenue.

"Unlike a traditional escort service, I was surprised to find such an educated, smart population," says Jack, during cocktail hour recently at the Ritz-Carlton in Manhattan.

"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.

"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.

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.