What if losing your virginity could make you a multi-millionaire? Mixing business with pleasure, a 22-year-old who goes by the pseudonym Natalie Dylan is auctioning off her virginity. She's been offered up to $3.8 million to hit the sack.

But what inspired Dylan to seek a hefty paycheck for a one-night stand? An article she came across while researching thesis ideas was her motivation. She read a story about a Peruvian woman who put herself up for sale to pay off her medical bills. "I thought it was a smart business idea," says Dylan. "This girl was using sex to better her life."

Dylan, who plans to pursue a master's degree in marriage and family therapy, admits she's not only having sex to pay for her studies. "It's not solely for my education. I want financial stability," says Dylan.

With more than 400 e-mails from potential suitors, Dylan is not searching for the perfect mate. "I'm not looking for the man I'm going to marry. I'm just looking for someone I can tolerate," says Dylan. "It's not going to be a love match." She's been corresponding with prospective clients because she's not necessarily going to go with the highest bidder.

The business transaction and sexual tryst will occur with the help of the Moonlite Bunny Ranch, a legal brothel in Nevada that was featured on the HBO series Cathouse. While Dylan's sister worked at the Bunny Ranch two years ago, Dylan insists her sibling had nothing to do with her recent decision. "My sister definitely didn't pressure me into doing this," says Dylan.

Dylan's mom, a fourth grade teacher, isn't discussing her daughter's sexcapade. But according to Dylan, her mom was "taken aback" when she first learned her daughter was selling her virginity. "She knows I'm 22 and doesn't have a say in it," explains Dylan. "So we just don't talk about it. It's an awkward conversation to have with a parent."

For Dylan, sex isn't risky business. It's risqué business. But when asked what she's wearing to her deflowering, she laughed, then joked, "I guess I'll wear white. Isn't that appropriate?"

Click to see what she's selling!