One of the greatest national problems and disgraces is the student loan dilemma. Student loans have now topped $1.1 trillion! With no end in sight to the spiraling cost of education and the continuing economic recession, aspiring college graduates and their parents continue to take on debt. Many students facing tens if not hundreds of thousands of dollars in debt are entering the worst job market in a generation. The situation is scarcely better, and probably worse, for newly minted professionals (especially doctors and lawyers) who have compounded their undergraduate debt with graduate school debt. With no job or jobs that fail to meet expectations, the cost of these degrees now bear no relationship to the financial benefit.