CNN Money staffer Heather Long reports on whether college is worth the investment, and Goldman Sachs says it's not.

Goldman Sachs believes students should not waste their money going to universities that rank in the bottom 25%, and many college students won't break even until they are in their early to mid 30s. Students' majors have different payback potential, with salaries increasing for those majoring in business, health care, and tech. However, Goldman also sees a higher education revolution coming, and employers are considering hiring people who can train.

"The average return on going to college is falling," Goldman researchers wrote. The bank is known for ruthlessly focusing on the bottom line.

"The choice of college and major are more important than ever to students given the changing return profile," writes Goldman.

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