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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.Taylor, a 22-year-old student at Hunter College, had confided in her roommate about the trip and they agreed to swap text messages during the day to make sure she was safe.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 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.

"I just wanted to get it over and done with as quickly as possible," recalls Taylor, forcing out a nervous smile.He typically forks over about 0 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.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.

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