Subtitles are still a part of titles, and must be capitalized. They should also be separated from the main title with a colon or a dash. Commas, periods, or, (gasp) NO punctuation is not acceptable.
Correct:
- Student Loans: Getting Your Money’s Worth
- Natural Disasters – Protecting Yourself
Incorrect:
- Student Loans, Getting Your Money’s Worth
- Student Loans: Getting your money’s worth
- Natural Disasters Protecting Yourself