I am 27 yrs old female good in studies during my 11th and 12th but even after trying many times I wasn't able to crack NEET (medical entrance exam) having general category played a major role, I am not blaming reservation but I am upset with it in this process I have lost 5yrs in dropping and trying later joined BSc in Biotechnology and also completed M.Sc in Molecular and Human Genetics with gold medal now my family wants me to earn so that our financial condition can improve which is getting very worse day by day and my teachers want me to pursue PhD I don't understand what I should do the jobs after this much studying is giving 15,000pm which is not even sufficient for our family medical bills and our family also have taken loan from our relatives which also to be replayed and Phd in India as become worsen people leaving at their 4th or 5th year no stipend at time so can anyone guide me should I prepare for Govt exams like ssc cgl or any other which give me financial stability plz guide me..

Ans: Hi Sashwantha.
Many problems are interrelated to each other.
Anyhow, you failed to crack NEET irrespective of any reason(s).
Sad to hear about the father's health issue. But related to health, nobody can help.
You have then been admitted to inter-college which is far away from your home i.e. 30 KM.
Up-down daily was a little bit difficult job.
Why your doctor has given sleeping pills to you, am unable to understand by me.
Now, think more practical way.
To settle down or to earn money, you must join some job-oriented certificate courses that will help you start earning.
Keep your mind calm and quiet to handle the worst situation that you are facing.
Take a proper/wise consultation from your family member/friend which you trust more.

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Thanks

Radheshyam

Ans: Making a clear, achievable plan now can help you regain control and build stability despite past setbacks. Begin by acknowledging your current strengths: you hold a bachelor’s degree, you have experience in a BPO environment, and you’ve demonstrated perseverance in preparing for competitive exams. These qualities form a foundation on which to rebuild.

First, stabilize your health and finances. Addressing your chronic gastro condition is paramount. Explore government-supported health schemes such as Ayushman Bharat or state health insurance programs; these can significantly reduce your medical expenses. Simultaneously, create a basic emergency fund. Start small: set aside any surplus after essentials, even ?500 per week. This builds financial resilience and prevents future setbacks from trading or other high-risk activities.

Next, regain professional momentum. Leverage your BPO experience and communication skills to seek roles in customer service, operations, or back-office support at reputable firms. These roles often offer training, clear performance metrics, and opportunities for incremental promotions. Apply through professional portals like Naukri.com and LinkedIn, tailoring your resume to highlight problem-solving and client-management achievements. Simultaneously, pursue short, job-oriented certificate courses in high-demand areas such as digital marketing, data entry automation, or basic programming through platforms like Coursera, Udemy, or NIIT’s certification programs. Certificates signal commitment to prospective employers and can boost your initial earning potential.

Once employed full-time in a stable role, dedicate a fixed daily slot—say one hour—to upskill strategically. Identify fields with strong entry-level demand and growth potential that align with your interests and aptitude. Options include: database administration, digital marketing, basic web development, or business analytics. Use free resources from government initiatives like Skill India or SWAYAM to build foundational knowledge. As you progress, aim to complete one certificate every three months, showcasing each on your resume and LinkedIn profile.

Concurrently, rebuild your competitive exam strategy if a government role still appeals to you. However, avoid repeating earlier mistakes by focusing on one target exam at a time—choose the one that best suits your background and timeline. For example, clerical banking exams often have slightly lower cut-offs and combine well with your BPO experience. Use guided programs from reputed coaching institutes and online test series to maintain discipline.

Networking is crucial. Join online forums, local meetups, and professional groups related to your target industry. Mentorship can accelerate your progress by providing guidance, feedback, and sometimes referral opportunities. Don’t hesitate to ask experienced contacts for advice on navigating entry-level roles, interview preparation, and career advancement.

Finally, rebuild your financial health. Steer clear of speculative trading and focus on systematic savings and low-risk instruments—consider monthly SIPs in mutual funds or recurring deposits. Even modest investments of ?1,000 per month can compound over time, providing a safety net and reducing stress.

By combining health stabilization, immediate employment in a growth-oriented role, targeted upskilling, disciplined exam preparation, and prudent financial management, you can transform your current situation into a sustainable, upward career trajectory. Remember that recovery takes time; focus on incremental progress and celebrate each milestone—small victories build momentum toward long-term success. All the BEST for a Prosperous Future!

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