JMP, did you find her by placing an ad on CL?? How much are you helping her with??
Actually, she placed a single ad on Craigslist in ES. She posted once, and was extremely nervous about the idea of p4p, but had no idea where she'd be able to make extra cash. She said that my response stood out from the dozens she got in that I didn't come across as depraved or scary. (Remember that when dealing with the actual non-pros, the tone of the first message makes all the difference.)
I've met a couple of girls like this, although about 3/4 of the ones I actually exchange messages with back out and get cold feet. I usually do a search in ES for the word "rent," ignoring the obvious bot posts, which leaves 5-10 posts per day to respond to. The ones I've had the most luck with have no pictures, are awkwardly worded, and give absolutely no hint as to whether or not the girl would be willing to do any specific acts. (I usually start off by asking just how much of a jam they're in and what they'd be willing to do to get out of it.) With some of them, you might have to pay more the first time to help get them out of the jam, but the investment is usually worth it.
In this case, since it was clear that she was extremely nervous about it, I suggested we meet at a Starbucks, which she thought was a great idea. By the time we actually met, I'd gotten her into the idea. She was pretty inexperienced sexually, having only been with a couple of boyfriends, and she really seems to get off on the idea of an older man looking out for her.
I've been seeing her twice a week, always at her place and always during the day. We're still working out the financial details, but it'll probably end up costing me about 1-1.5k per month, which works out to a pretty good hourly rate when you realize that each of our meetings is a completely unrushed couple of hours of GFE. (Well, sort of. I never had a girlfriend who would always greet me at the door with a dfk wearing nothing but a towel, still slightly damp from her shower.)
$18k/year is a chunk of change to be sure, but when I'm seeing her twice a week it's about $112.50/session, which I consider to be a downright bargain.
-JMP