In my opinion, it's not worth it. Once you get caught the Academia black marks you for the rest of your life. If you're so good at writing essays, why don't you write essays for pleasure and submit them to magazines, newspapers, journals, etc? I just think you didn't go through college to let other kids have their work handed to them just because you need the money. In effect, they are taking advantage of your situation even if you do it willingly. It's wrong and it is cheating.