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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.

Neither she nor any of the other women interviewed for this article permitted their real names be used.) In her profile on the site, Taylor describes herself as "a full-time college student studying psychology and looking to meet someone to help pay the bills." Photos on the site show her in revealing outfits, a mane of caramel-colored hair framing her face.

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

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.

She and her host ended up in his bedroom, where he peeled off her bikini.

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

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