I got obc ncl rank 2770 in adv and an obc ncl rank 2667 in mains, resident of bhopal. Manit (Bhopal)CSE or iit jodhpur electrical or Roorkee chemical or kanpur civil. Which would be a better choice.

Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

Ans: the company is under liquidation and there is no way to redeem the shares

Ans: what was your objective behind buying these stocks, long term, short term or trading?

Ans: Hello dear
Go with B.Tech CSE @ GB Pant (DSEU Okhla) for Robotics & Automation without any hesitation.

Good luck.
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Radheshyam

Ans: Hello dear
Congratulations and salute to you! You’ve made a very balanced and practical decision. While your son may have improved with a drop, the uncertainty of JEE, changing patterns, and the mental toll make it risky. Securing CSE @ UPES ensures he doesn’t lose a year and can still build a strong career through skills, projects, and higher studies. It’s not a mistake; rather, it’s a safeguard against unpredictability. With focus and smart work at UPES, he can still access excellent opportunities.

Good luck.
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Radheshyam

Ans: Hello dear
Considering a female candidate, it is strongly advisable to choose CSE @ UIET Chandigarh for better job opportunities, a brighter future, a positive work culture, and much more. No doubt, PEC is a well-known name, but for a female, it might be difficult to work in the electrical engineering field. However, if she has specific goals such as research, teaching, or joining a government job, then her decision should be welcomed. Choosing electrical engineering without any clear aim is not recommended at all. The final decision will be yours.

Good luck.
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Radheshyam

Ans: Hello dear
Chances are slim. Explore other options.

Good luck.
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Radheshyam

Ans: Hello dear, please ask your question in the follow-up section to connect it with the previous question.

Ans: Hello dear
If your son is fully confident that he can face JEE (Adv) again and score better than before, then encourage him to try once more. But if your son is satisfied, then MANIT Bhopal Energy & EV branch at MANIT is a promising field to pursue. The final choice/decision will be yours.

Good luck.
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Radheshyam