Pending Student Loan Crisis

Re-thinking the advanced education decision... For years we have encouraged people to get a degree and that any degree was of value. Students went into debt for degrees which offered no real return on the cost. Now they have a problem. Prudence is the key when deciding whether or not to borrow money for an advanced degree. 1) Can I afford to do it without incurring any debt, 2) if I go into debt, does the degree fairly ensure I can pay off the debt quickly? In addition, lenders must take the responsibility to lend money for student loans to responsible people with a good plan. Similar to the housing crisis in recent years, lenders are giving money to everyone -- never a sound business decision.