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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.

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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.

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 changed into his swimming trunks, she put on a skimpy bathing suit, and then, by the side of his pool, she rubbed sunscreen into the folds of his sagging back -- bracing herself to endure an afternoon of sex with someone she suspected was actually about 30 years her senior.

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