Your recruiter is both correct and incorrect. On my SMART transcript, I think I'm recommended for something silly like 96 credits. Thats 3/4ths of a bachelors degree! The problem is that most of those credits aren't accepted, and most of them won't really apply to a technical degree (certainly not anything medical). I wound up received 42 credits or something like towards my engineering degree, and a whopping 12 of them were useful. I basically started from square one honestly.
As far as being a nuke. Yeah it sucks, but it opens more doors than you can imagine. I hated it, but I don't regret it. BUT(!), if you really don't think its "for you", then don't do it. Its not the only thing to open doors in this world, and its certainly NOT the least stressful...