Dear Sunshinez, your time will improve by November End. Till that time you adjust with things. So far studies concern I think you have already wasted a year in your Education or you will. But don't worry though it happens/has happened, you will complete your Education.
Your Education will be related with Communication/Medicine or Service Industry. Little Struggle is there in Job, but if you will follow Remedies then you can minimise the trouble. The monetary condition will be OK this time but it will improve by age of 23-24. Timebeing adjust with things. The second half of life will be better than first half.
Your all problems started at the start of 2005. You may have head Emotional Setbacks in these times. But do not worry things will improve soon.

Remedies - 1. Wear a Silver ring in Left Ring Finger.
2. Take some Edible oil in Pot, see your face in it and donate that oil at any Holy Place or to a needy person on 5 Saturdays. If possible try fast on Saturdays.
3. If you can afford then, wear a Ring made of Gold, Silver and Copper wires in same Left Ring Finger, it will give overall improvement.

I don't know about your Religion or else I would have suggested some other Remedies. These are general but effective Remedies.

Caution: Be careful about marriage. Take advise from Elders before getting married as your hasty decisions may backfire.

God Bless you. I will offer my Preyers to give you peace of Mind and to clear your life from Problems.

Thanks milind. One year of my studies has really been wasted. You are correct here. I will take care of what you've told.

Also can you pls tell me something about family matters? Relations with parents, sibling and other relatives?

Thanks