Dental Surgery. Divorce. Decapitation. There are few things that are as painful as paying for college. With average student debt at $30,000 and the cost of college growing by about three to four percent a year, presidential hopefuls and educators are churning out proposals to lower college costs and make borrowing less painful. Some are rethinking college altogether to make it cheaper, shorter and more accessible. There’s also the idea of a three-year degree or making graduates who earn more pay more. But do any of these ideas go far enough to bring college back within reach of middle class families?