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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."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 0 in cash. I just did what needed to be done." And she's still doing what needs to be done.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.

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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.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 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.

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