Going once....

A Sacramento State grad is putting her virginity on the auction block to help pay for her studies.

"I don't think auctioning my virginity will solve all my problems, but it will create some financial stability," the 22-year-old (who uses the pseudonym "Natalie Dylan") says on tonight's The Insider. "I'm ready for the controversy ... I'm ready to do this."

Dylan says she's already taken a polygraph test to prove her virginal status and is also willing to undergo a medical exam.

She says she hopes to net up to a million dollars from the auction, which will take place in Nevada at the infamous Moonlight Bunny Ranch (eBay turned her down).

"Through this process I'm not just looking for the highest bidder," she says, adding, "I'm looking for someone who is a genuine, overall nice person."

Howard Stern has denied a report that he is affiliated with the auction.