Dave Ramsey and his team (Anthony O’Neil author of Debt Free Degree) have turned up the volume on the college debt conversation. Ramsey believes that going into debt is almost always a mistake, and should be avoided through planning. Ramsey and O’Neil advise students to go to a value school, get scholarships, and work their way through college. It sounds like a better idea than going deeply into debt and hoping the government pays off the loan. It is good that people thinking about college are being encouraged to think seriously about the cost.