Student Loan Debt

I recently read a few articles regarding student loan debt. The articles supported arguments for all angles of the issue: Legislation, Creditors and Lenders, Educational Institutions, Parental Guidance and Student Responsibility. I am at a point where I can argue from at least two perspectives. For those of you that can relate to this issue please share your thoughts. Who is the responsible party for student debt? Factor in tuition, books, living expenses, credit card companies, banks, universities. Do you have any solutions or suggestions?