Here is an example. A person has Masters and P.H.D degree but is a poor shopkeeper i.e he cannot even arrange the basic facilities of life for himself and his family.He could not fit into the achieved degree's job because there is a lack of opportunity of employment for that specific expertise so he ended up opening a failed shop. So, the question being "What to call a person who has failed in his life despite having a high educational attainment?" It can be a noun or an adjective