IT’S not easy being 20-something these days.

The competition for admission to business school is fierce, as many workers view an economic downturn as the perfect time to step out of the work force and earn an extra degree.

The job market is unwelcoming, to say the least. This year through October, employers laid off 1.2 million workers, according to the Labor Department, and if Citigroup’s announcement last week of job cuts is any indication, the reductions will continue.

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