[Naijaman]

Hi,

I am currently completing year 5 as a math teacher from a public high school in Queens, NY. I have paid my dues, and I have had enough of the public school classroom, and the paycheck that accompanies it. I have minimal experience in management or finance, but I have 3 degrees.
Here is my background:

B.S. Computer Science, 3.2 GPA (not too great school)

Two master's degrees:
M.A. Economics, 3.3 GPA (public univ.)
M.A. Education, 3.9 GPA (mid-tier private univ.)

Test Scores
GMAT: 720 (95%ile) -- 48Q, 41V
GRE: 730Q, 600V, 580A

Work experience:
1+ year in IT
5 years as a teacher

I'm told that I would pretty much be a lock for nearly any MBA Finance program given my educational, work, and general background, but my parents are West African immigrants, and I guess they would feel validated if I did a doctorate, especially from a top tier school.

BESIDES, I DON'T WANT A THIRD MASTER'S DEGREE!!!

I would primarily be interested in finance, but would also be open to applying to such programs as:
- Applied Economics
- Real Estate
- General Management with a relevant minor
** I took a couple of doctoral level courses in economics, but I would like to study less hypothetical and more specific scenarios involving business, real estate finance as it relates to stock market behavior.

I have pretty specific purposes for my sudy, which would be specified in my letter of intent, which should be strong. I could also get 2 decent letters of rec.

What are my chances of getting into a top 20 program in any of these fields?