Justin Wolfers, CNN: "I tell my students, 'Go ahead and borrow.' And that might sound like counter-intuitive advice from an economist, but here's how I want you to think about it: Go ahead and borrow money from that part of your life when you're going to have a lot of money, to that part of your life, now, when you really need it. And that investment really matters. Remember, college graduates, on average, go on to earn about one million bucks more than they otherwise would."