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Can I appear in JEE 2026 and Advanced after passing 12th in 2024?

Nayagam P

Nayagam P P  |6146 Answers  |Ask -

Career Counsellor - Answered on Feb 21, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Feb 21, 2025Hindi
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I passed 12 in 2024 and i appearing jee 2025can i also elgible for 2026 jee main and advanced

Ans: Already answered to your question. Please click this link: https://gurus.rediff.com/question/qdtl/career/completed-12th-first-2024-didn-039-attempt-jee-mains-advanced/5193787
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Asked by Anonymous - Jun 11, 2025
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Hi, I am 33 yr old working in a private ltd company having a package of 13LPA. I have seen a very tough childhood with lot of financial pressure. Never indulged in any kind of luxury or hobbies. After getting job, tried to fulfill some dreams of my parents. Made some tours, bought an apartment and married my loved one. After that, suddenly both my parents got major medical issue. Heart attack and Cancer. I have made them cure completely and both of them now ok. After all that I had a debt of 40L in 2023 and I was puzzled, how to repay them. Then the worst thing happened, with social media influence I took some more loan and traded in F&O and lost another 15L. Now my total debt is 60L - 20L HL, 20L PL. 5L GL and 15L CC outstanding. I am the single bread earner for 5 persons. I am helpless. Please help me. I am a really dedicated employee and very hard working.
Ans: Let’s approach this in phases, like a strategy to reclaim your peace and your finances:

Phase 1: Stabilize and Stop the Bleeding
- Stop any further trading or taking on new loans — this may already be clear to you now, but your awareness and admission show that you’ve learned from it.
- Prioritize debts by urgency and interest rates:
- Credit card (15L) – likely highest interest, needs urgent attention.
- Gold loan (5L) – usually short-term, with moderate rates. Negotiate rollover if needed.
- Personal loan (20L) – medium-term priority.
- Home loan (20L) – lowest priority; keep EMIs running if possible.
- Talk to lenders now. Many offer restructuring under RBI guidelines:
- Convert CC or PL into longer-term loans with lower EMIs.
- Ask about moratorium or partial payments.
- Use the term "financial hardship due to medical emergency"—many lenders will respond better when it’s health-related.

Phase 2: Budget Like a Warrior
You earn ?13L per year (~?80K/month in hand post-tax & PF). The goal is to reduce EMIs to ~?40-45K/month if possible, leaving you enough to survive and breathe.
- Draft a no-frills survival budget—cut down discretionary expenses to zero for 12 months.
- Consider staying with extended family (if possible) to reduce rent or utility pressure.
- Free apps like Walnut or Cube Wealth can help you track and trim with precision.

Phase 3: Explore Boosters
- Secondary Income: With your skill set and dedication, explore freelance remote projects. Just 5–10K/month can be a massive psychological win and financial relief.
- Government Schemes: If your parents are now senior citizens, explore Ayushman Bharat or state-level health subsidies to avoid future shocks.

And finally—your mindset
This situation is brutal, yes. But temporary. You’ve survived the worst—health emergencies, emotional betrayal by social media influencers, and financial collapse. You’ve already paid the cost of those mistakes. You don’t owe them another ounce of your peace or self-worth.
You’re not the guy who failed with F&O trades.
You’re the guy who fought cancer and heart attacks and won.

...Read more

Samraat

Samraat Jadhav  |2331 Answers  |Ask -

Stock Market Expert - Answered on Jun 11, 2025

Asked by Anonymous - Jun 11, 2025
Money
Hi, I am 33 yr old working in a private ltd company having a package of 13LPA. I have seen a very tough childhood with lot of financial pressure. Never indulged in any kind of luxury or hobbies. After getting job, tried to fulfill some dreams of my parents. Made some tours, bought an apartment and married my loved one. After that, suddenly both my parents got major medical issue. Heart attack and Cancer. I have made them cure completely and both of them now ok. After all that I had a debt of 40L in 2023 and I was puzzled, how to repay them. Then the worst thing happened, with social media influence I took some more loan and traded in F&O and lost another 15L. Now my total debt is 60L - 20L HL, 20L PL. 5L GL and 15L CC outstanding. I am the single bread earner for 5 persons. I am helpless. Please help me. I am a really dedicated employee and very hard working.
Ans: Let’s approach this in phases, like a strategy to reclaim your peace and your finances:

Phase 1: Stabilize and Stop the Bleeding
- Stop any further trading or taking on new loans — this may already be clear to you now, but your awareness and admission show that you’ve learned from it.
- Prioritize debts by urgency and interest rates:
- Credit card (15L) – likely highest interest, needs urgent attention.
- Gold loan (5L) – usually short-term, with moderate rates. Negotiate rollover if needed.
- Personal loan (20L) – medium-term priority.
- Home loan (20L) – lowest priority; keep EMIs running if possible.
- Talk to lenders now. Many offer restructuring under RBI guidelines:
- Convert CC or PL into longer-term loans with lower EMIs.
- Ask about moratorium or partial payments.
- Use the term "financial hardship due to medical emergency"—many lenders will respond better when it’s health-related.

Phase 2: Budget Like a Warrior
You earn ?13L per year (~?80K/month in hand post-tax & PF). The goal is to reduce EMIs to ~?40-45K/month if possible, leaving you enough to survive and breathe.
- Draft a no-frills survival budget—cut down discretionary expenses to zero for 12 months.
- Consider staying with extended family (if possible) to reduce rent or utility pressure.
- Free apps like Walnut or Cube Wealth can help you track and trim with precision.

Phase 3: Explore Boosters
- Secondary Income: With your skill set and dedication, explore freelance remote projects. Just 5–10K/month can be a massive psychological win and financial relief.
- Government Schemes: If your parents are now senior citizens, explore Ayushman Bharat or state-level health subsidies to avoid future shocks.

And finally—your mindset
This situation is brutal, yes. But temporary. You’ve survived the worst—health emergencies, emotional betrayal by social media influencers, and financial collapse. You’ve already paid the cost of those mistakes. You don’t owe them another ounce of your peace or self-worth.
You’re not the guy who failed with F&O trades.
You’re the guy who fought cancer and heart attacks and won.

...Read more

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