By Scott Spann
In the spirit of Halloween, are student loans a trick or a treat for you or your student? Many experts still contend that the financial rewards of a college education more than pay for cost plus accrued interest. On the flip side, some think tanks are arguing that a married couple that both have â€œaverageâ€ student loan debt will end up with over $200,000 less wealth than their counterparts without student loan debt. So who is right?