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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.Jack says he meets up twice a week with a young woman from Seeking Arrangement."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.

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"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.

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.

While he summered on Martha's Vineyard, she'd likely pass another July and August working retail in Times Square. ("Taylor" is the pseudonym she uses with men she meets online.