In her Dsquared2 silk dress and sky-high gold heels, Sabine doesn’t look like a typical schoolgirl. Yet here she is, furiously taking notes during a PowerPoint presentation on the art of negotiation. The 23-year-old New School grad has a big incentive for hitting the books.

“Girl, I need to pay my rent,” Sabine says. “I need financial security.” And her current beau — OK, let’s just call spell it out: sugar daddy — isn’t cutting the mustard. So the Washington Heights resident has found herself this afternoon in a nightclub near the West Side Highway studying “Master Class Part 1: Upgrading.”

Welcome to the Sugar Baby Summit, where ladies like Sabine — who, as with most of the women in this story, asked that her last name not be used — learn how to get the most out of a benefactor. Or more specifically, his wallet.

The seminars are hosted by seekingarrangement.com, which matches men of means with young, often financially struggling women who want to be spoiled by a “daddy.” (Or multiple daddies.) The 9-year-old site boasts 4.5 million members, and some 150 women have coughed up $100 each for today’s classes.

Lecturer Chelsea Ridenour, herself a sugar baby, tells the ladies that the key to an allowance upgrade is to detail specific “needs,” rather than just angling for more money: “I’ve had men pay my rent. Show him the car you want” — she suggests a Mercedes or Audi.

Ridenour, who juggles multiple men, shows off $1,300 worth of clothes that a new sugar daddy bought her the previous week at a Las Vegas mall. “I feel like such a lady boss,” she purrs.

But not every student is impressed.

“I’m not looking for a pair of shoes,” sniffs Marsha, who lives on the Upper East Side and is determined to land a $15,000 to $20,000 monthly allowance (she hasn’t yet settled on a daddy). “If I see [a man’s] net worth isn’t $50 to $100 million, I don’t want to deal with them. A lot of guys on the site want someone insipid — they want someone trashy in Louis Vuitton,” she says, cradling her Balenciaga bag.

Marsha, 28, says that before her professional title was “kept woman,” she earned a six-figure salary as a finance specialist.

“I’m not feeling desperate. Some girls here are homeless.”

If this were an episode of “The Bachelorette,” Marsha would be the villain all the other women want booted.

The summit concludes with an after-party, where the scene looks like a Bebe fire sale collided with a Halloween shop, as sugar daddies and the babies who “love” them dance to house music while wearing “Eyes Wide Shut”-style masks.

Girl, I need to pay my rent. I need financial security. - Sugar Baby Summit attendee Sabine

SeekingArrangement’s CEO, Brandon Wade, says that the best way to get a bigger allowance is to land a married daddy — he points out that 40 percent of the site’s male members have a wife.

Brandon, 44, earned his money as a software engineer and now lives in Las Vegas with his 29-year-old former-model wife, Tanya. Though he’s been a sugar daddy in the past, he now just supports his spouse, a fashion student. Tanya doesn’t get an allowance — nor has she ever been a sugar baby — “but I do pay for everything: her school, expenses, car, travel,” says Brandon.

He boasts that two of Forbes’ top 10 wealthiest men have been members of his site — “one married, one not” — and Tanya chimes in that “B-list and C-list” actresses have, too.

Tonight, women outnumber the men three-to-one, which is good news for Keith, a 33-year-old from Kips Bay. He says his dream baby is an “outdoorsy girl who wants to go bowling.” (Yet he still found himself here.)

In the two years he’s been on the site, the plump playboy admits to shelling out about $3,000 per month in cash and gifts to the three dozen honeys he’s dated — as well as trips to the Bahamas and $700 dinners.

“In asset worth, I’m a millionaire,” says Keith, the CTO of an e-commerce start up. “My company did $700 million last year. When we go public, I’ll be rich.”

His last cash-poor paramour was 26 and needed “startup advice.” “I helped her with rent and I got her a MacBook Air.” But when she played hardball — asking Keith to match the $10,000 monthly allowance a 60-year-old daddy was giving her — he balked. She offered to come down to $5,000 a month to stop seeing the geezer, but Keith declined.

Still, he holds out hope for love.

“I respect the ones who are upfront,” says Keith, gushing about future romantic possibilities with a sugar baby. “I can see myself marrying someone from the site. It’s no different meeting her at a park or library.”

Just don’t cut out that allowance, Romeo.