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Today was perhaps the most emotional day in the two-month-old Occupy Wall Street movement. Coming shortly after dramatic park clearings in cities such as Oakland (for the second time) and Portland, the epicenter of the movement, Zuccotti Park in Manhattan, was trashed, hosed, and disinfected starting about 1 a.m.

Student debt reformer Alan Collinge has brought a clear set of demands--and little patience for general assembly dickering--to Occupy Wall Street. He belongs to a large--but not unified--contingent of pragmatic policy wonks in the movement.

For most of us, owing thousands of dollars in student loans, all while juggling crushing credit card debt, probably sounds like a nightmare.