Education on the individual level just doesn't work. People are too dumb. (I had the pleasure of rereading this recently: http://www.overcomingbias.com/2009/07/stupider-than-you-real...) Those that aren't too dumb lack personal responsibility, which is a separate problem I fully agree is pretty big, so more education might fix that, but that's sort of something you can't learn from a book, and arguably the game of chicken at teaching responsibility by making it illegal to discharge student loans in bankruptcy has just made things worse.
The solutions I think have the best shot are those that involve authoritarian decrees one way or another (that is, going full free-market or going full nationalized colleges), but that requires a government with an actual interest in governing.
The solutions I think have the best shot are those that involve authoritarian decrees one way or another (that is, going full free-market or going full nationalized colleges), but that requires a government with an actual interest in governing.