Escort to Trouble
by acolodude
Copyright© 2026 by acolodude
Erotica Sex Story: College student in financial difficulty finds an opportunity to earn money.
Caution: This Erotica Sex Story contains strong sexual content, including Ma/Fa Consensual Reluctant BiSexual Heterosexual BDSM Prostitution .
I can’t believe how I ended up where I am. College tuition and fees were so expensive. I had used all of my financial aid and maxed out my loans. $15 an hour was not enough to cover my living expenses forget helping with college.
Then I saw the ad on the board, simple enough it said affordable help with college expenses. I called the number and a recording said the next interviews would be this coming Saturday giving the location and time to be there.
I happened to have Saturday off, so I took it as a sign to go for it.
The location turned out to be a small storefront on a small strip mall.
When I showed up there were only three other girls there. We all seemed nervous and shy, I didn’t want to talk to any of them, and they seemed to have the same feelings.
I ended up being the last girl to interview, which I thought was a relief as I would not have to face anyone once I was finished.
When I was called back through the only door, I was startled to see a small table with three chairs two had men sitting in them and the last guy who called everyone back sat in the last chair after directing to stand in front of the table two feet away from the edge where the was an X of tape on the floor.
The guy who had called me back started the interview by asking me to introduce myself and explain how much money I needed and why I needed that amount. This took me by surprise as I had never heard of an interview asking this question. It took me a moment to collect my thoughts and finally I answered my need being $9700 for the semester which would cover all my college costs plus pay for my apartment and leave me about $150 per month for food and other expenses.
The guy sitting in the middle said that current loan interest rates were about 4% and as high as 11%. To simplify things, he would use 5% and $10,000. Monthly interest would be approximately $40-45 dollars that is not a lot, but when you don’t have the money to pay it that becomes $500 a year added to the loan and if unpaid would be an additional $25 the next year so after just two years the balance would be $11,025, at five years it would be $12760 more or less.
Then the last guy asked what my monthly expenses including college would be.
I did not know off hand what the monthly expenses would be, the guy in the middle had been doing some calculations and said that my estimated college monthly expense should be about $1000 then he asked what my apartment rent was. I told him it was $500 and utilities ran about $120. He continued saying that $2000 a month was easily attainable.
The third guy at the end began again explaining how their financial system worked. They would list me as an employee, which would also provide medical insurance as an additional benefit. They would provide a loan of $2000 per month, and I would need to make about $68 a day or $475 a week in order to pay the $2000 due at the end of the month. There were different jobs at different rates of pay.
Then he mentioned the fact that only women had been interviewed, that was because the jobs were specific to women.
I suddenly got scared by this comment and the fact that he paused to let that information sink in and it did!
Then he said that the most common job was a hostess which is exactly what it sounds like. The catch was that the uniforms the women wear were rather risqué, not obnoxious or crude. However, it was erotic and enticing to men and that was the point which is why it paid $100 an hour. These were private meetings, gatherings, and parties where women served as hostesses.
The second job and he stressed that only about 20-25% of women chose this job, which was arm-candy, an accessory wealthy men paid to have on their arm, YES this was an escort. But, he added with a slightly raised voice not shouting but speaking slightly louder explained that the women were paid $200 an hour to be on the man’s arm and join him at whatever function he was attending. He said that the woman would be picked up and dropped off at her place and if anything, more should occur between two consenting adults that was of no business to this job. He also added that if I accepted this offer and chose this job more information would be provided to me to help me from doing anything wrong or getting myself or the company into trouble.
He said the third job would not be explained unless I accept their offer and specifically asked about it.
I was shocked and truly did not know what to do. Then the first guy said I could contact them if I decided to accept their offer and as he stood gesturing for me to follow him he held out a business card.
As I stood reaching for the card, I asked myself what was so wrong with what they were offering. I mean the last date I had gone on was with a guy who took me to diner and a movie and ended with me giving him a blowjob in his car before I went into my apartment, at his request of course.
So, I had already done something just like what they were offering. Taking a deep breath and letting it out slowly, I asked what I needed to do to accept their job offer.
The guy in the middle took out a paper from the folder in front of him and set it out in front of him along with a pen.
I read the loan application or rather the job application, at the end of the application was a statement requesting an advance of salary. Neat, legal, and binding as the advance would have an interest rate of 7% accrued on day 32 and 1% per day starting day 33 until paid in full which would be about $20 a day interest after 32 days.
Before I signed I asked how often jobs were available, I was wondering if there were only one job a month it would be hard to pay back the monthly amount. Thinking or rather calculating in my head $100 an hour, times maybe three or four hours for a job every weekend would only be about $1200 - $1600 not enough to pay the $2000 due.
The $200 an hour escort job could potentially be dinner so maybe two hours, or a party that could be maybe five hours. Then the idea of spending more time in a very specific manner could possibly make enough money to pay off the monthly load in one go. I convinced myself that I had already done something like this and would be able to do it again for much more financial benefit to me.
Because I had paused the first guy asked if there was a problem. I said that I was just doing some calculations of my own and found that this was very much an ideal opportunity for me and I signed both the application and advance in pay request.
The guy on the end who had explained the jobs asked if I was interested in what the third option was.
I suddenly got scared again and did not know if I was ready for things to go further, as this cloak and dagger type scenario was implying.
Taking another slow breath and letting it out even slower, I said yes.
He said some people men and women, emphasizing that women also had special desires other than dinner or parties. These specific requirements were offered to whomever was willing to provide the required actions. And the average rate was $1000 an hour.
That terrified me because of the amount that would be paid, I was freaked out thinking or trying to imagine what someone would want to do for that kind of money. Then I thought about 50 shades and my stomach knotted up to the point I almost vomited, I fought the gag, dry heave impulse and thanked him for the information, then said I was only interested in option two.
The second guy had written a check for $10,000 and handed it to me pointing out today’s date being the 17 and reminded me that I needed to pay $2000 before the 17 or interest would start to accumulate.
I asked how soon I could start working and was surprised when the first guy asked what my schedule was. I said I only had classes on Monday, Wednesday, and Friday. I could work on Saturday, adding that I preferred to have Sunday to prepare for that week of classes, complete homework/assignments and just get ready for the week.
There was a job opportunity next Thursday if I was interested.
I asked for information on the job if I was to start that soon.
He gave me a paper with instructions saying where to be when to be there on Thursday for more information on the job.
Thursday I arrived at the location which happened to be a house. I was seven minutes early at 8:53 am. When I knocked on the door a woman that looked like she could be my grandmother or even my great-grandmother opened the door and welcomed me in by name which shocked me, but I should have expected I was scheduled to be here.
The woman introduced herself as ‘Lady’ and directed me to the first bedroom down the hallway. When I entered the bedroom there were two girls already in the room which only had five chairs against the wall with the two sitting in two of them. I sat and introduced myself and the two girls introduced themselves; Amber was about the same build as me but slightly darker and maybe 2” longer hair, Kandi with a K and I was about 2” shorter than both of us but had to be a D cup or maybe larger, she had milk chocolate colored skin that was extremely beautiful and black hair she had in a weave. I started to ask what they knew but Lady came in and said for all of us to strip completely naked. She opened the closet and inside was a dresser with things hanging above it. She opened the top drawer and took out three packages.
Turning to all three of us she repeated for us to strip and to hurry up adding that we did not have a lot of time.
In for a penny in for a pound, I began to undress and folded my clothes setting them on my chair. The other two followed my lead and when we all were naked Lady said to turn slowly. Shrugging my shoulders I did and the other two did as well. Lady loudly said, “Wonderful no tattoos or body piercings.” Then she handed each of us one of the packages. The package was a bodysuit, a full bodysuit with the head, hands, and feet enclosed. There was a small hole in the top for our hair to protrude as a ponytail and pinholes at the eye spots to allow us to see and also at the mouth to allow us to breath and be understood when talking.
The bodysuit was designed to mask but at the same time showoff the body. The face was different as it was darker and did not allow the face to be seen clearly this was deliberate to hide our identity, not that we needed to, but I appreciated this fact. The rest of the body, like I said, was very much on display and the tightness of the bodysuit made our body and shape much more defined. It took helping each other to get the bodysuit on and especially our hair into the ponytail hole.
I was mortified and embarrassed when I saw the other two girls and could tell they were just as shocked. Our vulva was blatantly on display due to the tightness and design of the bodysuit obviously Amber had the largest camel toe of all of us. Our nipples and areolas were also quite visible. I felt the rest of the uniform was just to add insult to injury as it was a clear, transparent vinyl apron that did nothing to hide in fact actually drew more attention to our breasts and crotch because of the apron.
Of course, the hooker heels were also transparent to match the apron and add to the effect. Then Lady had us follow her to the next room where there were more chairs and a big flat screen TV. Lady started a video that explained our role or job in quite a bit of detail.
We were expected to be polite and address everyone as either SIR or Madam. We were not to give our name or any information and if questioned were to report the individual to Lady immediately. If touched gently we were to thank the individual, if touched in an inappropriate manner we were again to report it to Lady immediately. If we were touched in a painful manner we were to scream out in over exaggerated pain and drop to the floor grasping the individual’s ankle and continue to scream as loud as possible until Lady helped us to our feet. The video mentioned that there have only been three incidents that required this type of response on our part.
I asked Lady what ‘painful’ meant as everyone had a different tolerance to pain.
Lady smiled and said I was only the fourth or maybe the fifth girl to ask that question and had others asked the four situations might have been avoided. She then gave examples of different touches. Starting with a gentle touching rub across our shoulder or arm maybe along the small of our back. It could be a gentle hand to the cheek or pat on the head. A touch that was meant to convey happy pleasant thoughts.
Then she said groping the butt or breast could be either depending on how it was done, showing respect and admiration was up to us to decide if it needed to be reported. Done for the sole purpose of the individual’s pleasure or to deliberately degrade or humiliate us that needed to be reported immediately.
Striking any of us anywhere on our body regardless of how soft or gentle the strike/slap might be needed to be reported immediately as well. If the strike was seriously hard or in a painful location we were to scream, drop and grasp the individual’s ankle.
Others in the immediate area would move to assist as is required by all attending as stated in the rules put out before the event starts.
We were to move around taking orders and delivering the drinks, also ensuring all the guests’ needs were addressed and taken care of as quickly as possible. Lady then said if a strange request is made report it to her and she would determine how to handle the request.
Lady said that I would be picked up at my place Saturday and I needed to bring the bodysuit and heels with me, my ride would arrive approximately at 1:20 after picking up Amber and Kandi.
Nodding to Lady I understood the instructions. Lady continued saying we should only put on a sundress or something similar nothing else and if we could get away with it wear the heels to limit anything we need to store while working the job as there was no place available for us to secure our stuff. Again, I nodded and saw Amber and Kandi were too.
Then I asked how long this job was. Lady said the party was scheduled for three hours but usually went past four hours. We had to be there early to help set up and get familiar with the layout, and we would be expected to help clean up afterwards so we could expect to be there for six hours, she added that there is usually a tip paid at the end depending on how great the service provided was. Then she added that since all three of us were new hires we would not be expected to accept any offers this time around, if asked direct them to her.
Six hundred dollars was a good start for my first job.
The limo pulled up at 1:18 pm and I quickly walked out; a man got out of the front passenger side and opened the rear passenger door for me and helped me in. Amber and Kandi were already inside and waiting for me both had their bodysuits most of the way on. The man closed the rear door and got in the front closing his door as the limo pulled away.
Amber showed me a note that said for us to help each other with our bodysuits as the timeline had changed as the location did as well, so we would be hard pressed to arrive on time. With two helping the third we were able to get the suits on easier.
We had just finished zipping up the suits and checking to make sure everything on display was as comfortable as possible. The limo stopped as we looked out to see we were at a yacht club. The guy got out and opened the door helping all three of us out of the limo and said for us to leave our stuff in the limo as it would be the same one picking us up.
We were meet by Lady and three males who were obviously security guards and escorted to the correct yacht. A woman in a bikini that was really just string greeted us and began explaining what was expected of us. There were several women in the same type of string bikini, which I suspected they were job 2 employees.
We quickly got the layout of the yacht and there were only three areas we needed to work. The main deck, the lounge, and the kitchen/bar which were directly behind the lounge and the main deck directly to the front of the lounge.
There were a dozen men and only three women who were guests. Amber, Kandi, and I were the only serving staff and were non-stop from the start until the yacht pulled back into the dock. It had been seven hours and all three of us were exhausted, my feet hurt from the stupid hooker heels, and I was sweaty from the vinyl bodysuit, which only enhanced the look it gave our bodies. In the end we were at this job for nine hours when one of the security guards called us to follow him as he escorted us back to the main entrance. He handed each of us an envelope and said he had been told to thank us and congratulated us on an exceptionally grand job.
The limo pulled up and the same guy opened the rear door and helped us all in, closed the door and got back into the front as the limo pulled away he was closing his door.
I looked inside my envelope and found three crisp brand new $100 bills added to the $900 for the nine-hour job I had just made $1200 on this first job. More than half of what I needed for the month. If I could do another job before the 17th anything after that would be mine to keep.
Tuesday morning I received a certified letter from the company I was working for, strange that I had not taken the time to learn the name of the company, ‘IMAGINE’ the letter was an interview offer for the other job simply instructing me to either be at the location at the time listed or wait for my next job 1 opportunity. Today at 6pm this time it was at a different house. I took an uber and arrived 5 minutes early.
I had planned to be 10-15 minutes early, but traffic was terrible, I was glad I had left when I did or I might have been late.
The door opened before I could ring the doorbell, which shocked me as I was not expecting it to open.
The third guy from the first interview the one who had explained the different jobs was standing there holding the door open for me.
I followed him to an office which had a large desk and fancy leather chair that he sat in and two nice leather chairs across from him, I sat in one and waited for him to speak.
He asked me what I thought about the job I had taken.
I told him it was very hard for just the three of us. He commented that the venue and timeline had changed at the last minute. The other employees who were supposed to be working with us had already gone to the original location and were too far away to get to the new location in a timely manner. He said that it had been decided that the three of us would get an additional bonus of the salary or an additional $300 at which point he opened a drawer took out an envelope and slid it across the desk to me. I thanked him and took the envelope putting it inside my purse without looking what was inside.
Then he asked me if I still wanted to pursue the 2nd job. I quickly said I did and asked if he could be more specific about what would be required.
He gave a short laugh and quickly apologized saying that was what I was here for once I signed the contract for the 2nd job. He opened a different drawer and took out a file, opened it, and slid the paper across to me then handed me a pen.
I read the paper and found it was a resignation letter for the first job effective today with my signature which I did and slid the paper back to him. He put it under all the other papers and slid the next one to me. It was an NDA (non-disclosure agreement) basically saying if I said anything or did anything that compromised or put the business in a bad light I would and could be sued along with having to pay back all funds I had been paid.
This was alarming but thinking about what I was going to be doing and potentially the people who I would be doing things with had reputations to protect. I signed and slid the paper to him. He put it at the bottom of the pile and took the next three papers which were clipped together for me to read, initial each page and sign the last page.
Bottom Line Up Front (BLUF) as most of my college professors would constantly say; the contract was very direct and left nothing to be mistaken or misunderstood. I was agreeing to work as an escort. I would be paid $200 an hour with two hours the minimum and a maximum of 23 hours. I asked why there is a 23-hour limit. He said most of these jobs were 10 hours or less since we were mostly arm-candy or distractions for opposing competitors.
If and he stressed if I chose to accept an offer after the job requirement my pay time would stop as the job ended. Anything I did after my job ended was between me and whomever I was interested. He said to look at the next page.
That page was a basic excel spreadsheet listing suggested amounts for certain activities. For example, Anal being the first thing listed and in the next collum the amount of $500, below that was Blowjob(condom) and the amount of $300, below that Blowjob(bare) with the amount of $600, and Blowjob(swallow) suggested $900. This list was alphabetical.
He said that page was for me to keep, so I carefully folded it and put it in my purse.
After signing the last page and showing him, I had initialed all of them. He placed them at the bottom of the pile. Taking the next paper. He asked if I had considered the 3rd job.
I said it had not been explained or offered to me.
He said the 3rd job was the same as the 2nd job with an added exception. He said that I was probably aware of what that would be but would explain it to me to ensure I understood.
My required role was to comply with ANY and ALL requests made of me quickly and with sincerity, never denying or disagreeing with anyone I was assigned to take care of. I was agreeing to submit to anything asked of me, he added that depending on the request I might have the choice to refuse. Then he added that if I suffered any injuries the best medical care would be provided at NO cost to me and there was NO limit on how much medical care I could receive. Then he added that there had never been any woman seriously injured, he stressed that some women had agreed to certain things and were greatly compensated for it.
I asked for an example, and he quickly said, piercing and tattoos were the most common.
I had to provide proof of birth control and agree to STI/STD testing monthly and anytime it was requested of me. This drove home exactly what I was about to embark on if I accepted this job.
He slid the last paper to me and as I began to read it was shocked to find it was a simple list of sexual activities with three options: YES, NO, MAYBE. I had to circle my answer. The list was alphabetical and very explicit and descriptive, the list was in a much smaller font, front and back as I read through the list there were many things I did not know and quite a few I knew or understood what they were.
MAYBE
The guy asked if I would like something to drink and I accepted asking for coffee with cream and sugar. He picked up the phone and spoke the request then hung up the phone and said for me to take my time and that it was not a firm permanent decision just a starting point and that the list was not absolute as there were things not on this list that might come up in the future.
I understood and thanked him for clarifying that to me and began to just mark which of the three I immediately felt was most accurate. Almost all of the items were going to be NO, the few I had already participated in would be YES and if there were any I was curious about I would make them MAYBE.
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