There has been some criticism of the OWS movement, because they can't seem to line up their problems with solutions. They have picked the wrong bad guy for their woes, some say. Well, perhaps. They have a lot of woes, so there are a lot of different bad guys and a lot of different solutions.

Let me simplify things for a moment. After reading through dozens of posts on We Are the 99 Percent blog, it is clear that two common complaints are college loans and the lack of jobs for college educated graduates. 

College loans and the inadequacies of college degrees are huge problems. The national student loan debt is $25,250. If parent loans are included, that number jumps to $34,000. Some states, like NH and OH, were especially tough on college students. Certain schools like NYU were more painful than others. 

The schools where students graduated with the highest average debt loads — between $29,800 and $45,350 — include New York University, California Institute of the Arts, Florida Institute of Technology, Kentucky State University and Temple University.

There's no question that Higher Education needs the same of oversight and regulation that Wall Street deserves. Colleges are ripping off students. Tuition plus room and board at NYU will cost you $57,000 per year. All for some stupid communications major. 

Parents and students also need to be smart about these matters. Here are some tips: 

1) Only Ivy League colleges are worth the tuition. Do not attend tiny, crappy, mediocre private colleges, unless you really have access to bundles of cash to burn.  Go to respectable state colleges. 

2) Pick your major carefully. You can major in a liberal arts or humanities and still get a job afterwards, but you have to be very realistic about what your options will be afterwards. If you major in poetry, you may be using your skills to write press releases for a pharmaceutical company. If you major in philosophy, you will have less job opportunities than if you majored in computer science. Why not double major and choose both?

3) Be careful of the practical majors. A lot of education and business majors don't have jobs right now either. And because so many of those programs don't have the heft of traditional liberal arts classes, the gradutates don't know how to write and missed out on four years of reading good books. This is not the time to take Easy A classes. 

4) Colleges have really crappy job placement programs, so you can't depend on them. You can't even rely on them to help you with your resume, so you might need to pay someone to fix up your resume. 

5) I love college internships, where you get real work experience in exchange for college credits. Do it, if you can. 

6) If you can't get into a good college, don't go. Do not attend for-profit colleges or colleges with poor ratings. Spend a year or two taking classes at a community college to improve your grades or start looking into some other profession. 

7) If you can't get a college internship, then work when you are in college. It will reduce your student loan debt and you will have a job to put on your resume. 

8) Do you not choose a school, because it has hot tubs in the dorm or because it has a killer football team. Choose a school where the students spend their Saturday afternoon reading in the library. 

9) And do not, under any circumstances, take all the loan money that they give. They will give you whatever you want. Do not take it. You are allowed $15,000 in debt. OK, that was an arbitrary number, but I think that is an acceptable amount of money that a 21 year old kid should be saddled with. But no more!

Is that enough tough love? Any more suggestions? I think I want to be the Suze Orman of Higher Education.