Answer

Yes. Jainism gives a very practical way to handle your situation: combine right effort, discipline, purity of mind, prayer, and karma-cleansing practices.

Jain Dharma does not teach that problems disappear only by prayer. It teaches that we should do purusharth — sincere self-effort — while keeping faith, patience, and inner purity.

You can work on three areas together:

• Study discipline for your competitive exam
• Small earning steps suitable for your current life
• Jain spiritual practices to reduce anxiety, laziness, confusion, and inner negativity

Explanation

In Jainism, our present situation is influenced by past karmas, but our future is shaped by today’s effort. So please do not think, “I am stuck.” You are only 20, and this is the right age to build yourself slowly.

For earning money while studying, you can consider simple and ethical options such as:

• Home tuition for school children
• Online tutoring in subjects you know
• Content writing or basic freelancing
• Part-time office work or internship
• Learning a skill like computer basics, Excel, typing, digital marketing, designing, or spoken English

From a Jain point of view, choose work that does not involve violence, dishonesty, addiction-related business, cheating, or harm to others.

Jain Practices That Can Help

You may follow these sincerely:

• Navkar Mantra daily: Chant Navkar Mantra with calm attention every morning.
• Samayik: If possible, do Samayik regularly, even once or twice a week. It helps control restlessness and improves focus.
• Pratikraman: Do daily or regular Pratikraman to purify the mind and reduce guilt, anger, and negative thoughts.
• Swadhyay: Read or listen to Jain teachings for a few minutes daily. It gives clarity and courage.
• Small vows: Take small daily niyams, such as “I will study for 2 focused hours today” or “I will not waste time on unnecessary phone use.”
• Tapasya: Simple tapas like unodari — eating slightly less than hunger — can increase self-control. Do only according to your health.

Spiritual Understanding

Jain Dharma teaches that the soul has infinite strength, knowledge, and energy. But karmas, distractions, laziness, fear, and attachment cover that power.

When you chant Navkar Mantra, do Samayik, practice self-discipline, and avoid negative habits, your inner strength slowly becomes active.

Your problem may not vanish in one day, but your mind will become clearer. Once the mind becomes stable, your study and earning ability will improve.

A Simple Daily Plan

You can try this:

• Morning: Navkar Mantra 9 times with full attention
• Study: 2 sessions of 45 minutes each, without phone
• Skill/Earning: 1 hour daily for learning or applying for work
• Evening: Short self-reflection: “Where did I waste time? What will I improve tomorrow?”
• Night: Ask forgiveness mentally: “Micchami Dukkadam” for any wrong thoughts, words, or actions

Takeaway

Do not lose hope. Jainism says your soul has great power. Pray sincerely, purify your mind, and take small practical steps every day. Even if you cannot give 100%, start with 40% sincerely. Gradually it will become 60%, then 80%, then stronger.

Your right path is: Navkar Mantra + discipline + ethical earning + steady study + patience.