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Added 2 tags of which single-word-request tends to encourage certain very creative members to take note!
Mitch
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What do I call a person who is well qualified but has failed in his life?

I am writing a story, and I need a single word or phrase for

A person who has failed to achieve success despite his high educational attainment.

Here is an example:

A person has Masters and Ph.D. degrees, but is a poor shopkeeper. He cannot even arrange the basic facilities of life for himself and his family.

The word could be a noun or an adjective.