Personal finance guru Suze Orman has a message for college students debating whether to take out thousands of dollars in student loan debt to get a master's degree or professional degree: Make sure it's worth it.

Years ago, after my first book came out and I had made a few television appearances, I was nearly accosted on the street by a very animated woman who kept pointing at me and then exclaimed "I know who you are... you are the... Money Lady!" I've adopted that as a nickname of sorts. I am indeed the lady whose passion is to help people make the most of their money.