I once looked at the MBA as the crème de la crème of business degrees, but now I realize I'm a dime a dozen.

I have an MBA in media management from Metropolitan College of New York and a master's in organizational leadership from Mercy College. I am in debt to the tune of $120,000, and for me, it just wasn't worth it.

After graduating, I applied for jobs in New York for at least a year. In interviews, I was either overqualified, or high risk.

I am high risk, so I'm told, because I have multiple degrees, which means it's more likely that I would pursue other means of employment if I am offered a higher salary.

I'm 42 years old, and I'm competing with 25-year-olds who have MBAs from Harvard. There are so many young people with MBAs from exclusive schools, it's very difficult for somebody like me to compete. Employers don't expect middle aged people to be innovators.