Improve your idea - you don't need money for that. But don't get out of college yet.
MMO will be there for a long time. Even when you have finished college they will be there. If you just had an idea under the shower, you can be sure it might be interesting, but not finished. There are many questions around it. Not only technical wise, but also concept wise. I would not leave everything behind me when I don't have a cool concept.
My suggestion is: at night, get out your paper and create your game on it. Deal with the problems of content, rules, weapons, how can the game be fair and fun. Ask yourself questions like: why should people prefer my game over WoW? Why does it have a cooler atmosphere then Conan?
If your game is to lame, try to lookup what is cool at the moment. You need to explore and create visions - why not using Kinect or the fitness stuff from the Wii to move your sword in the MMO or let you beast run through the wildernes?
Draw it all on paper. If somebody reads it and says: thats the coolest beast I ever have heard off - then you need to start a prototype/demo. This is just a small beast. It proves you are able to get people on board who rule. Designer, Soundcraftman, Programmer (btw, you'll only get help of serious people if you have a serious game concept). How is the marketing? Can you really get a small prototype running? Can you create a good website on it? Does the prototype make people sweat?
Prototypes btw can be created with existing (open source and free) frameworks for 3D games or even with Game-Kits (scriptable programs which show something in 2D models). Start for exploration.
If the prototype is great and you feel good, come back to here and ask again. :-)
While others tend to say: stop dreaming, I would rather say: work on your dreams. You can never know. Maybe your MMO will never happen, but then you maybe have expert knowledge on for example Kinect. Probably you get a job as game designer, when you can show such a good concept.