If you join seeking arrangement there will be hundreds of local students who will sleep with you for money. I did it recently. All these girls qualify as the 1/20.
The downsides, some ask for daft money although most come down a lot, very few can accomadate, there tends to be a lot of texting first, they ask to many questions and are to naive to understand your married and paying for the discretion and no commitment, you need to supply condoms as well.
Ignore what their profiles say, most are open to cash for sex, im 30 odd though a lot said they wouldnt sleep with old men, not sure what they think old is!