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While sugar babies can create profiles on Seeking Arrangement free of charge and a regular sugar daddy membership costs each month, Jack pays ,400 a year to belong to the Diamond Club.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.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.As unemployment rates tick steadily higher, starting salaries have plummeted.