It's tough dealing with college tuition nowadays. And not just in the U.S., either. College students from all over the world are up to their sweet necks in debt and it's gotten so bad that the government boys from all over this crazy world are trying to come up with ways to deal with it. They've got it all backwards ... you don't start from the top with this, you start from the bottom.

The best thing to help students with student loan debt is students, jack. Dave Ramsey's got it right. If you are gonna head for higher education, don't bankroll it with a bunch of bad debt. If you're already best friends with Sallie Mae, then make a budget, get out of debt and kick the old broad to the curb. And don't even come back to me with all that tax deduction jazz. Don't blow 10,000 bucks in interest so you can hold back 2 grand from Uncle Sam. Bad math, baby.