Title: Stuck in a 6-year "Integrated Degree" loop with 11 backlogs. At 24, I’m mentally drained and losing myself. Is it time to pivot?

Hey everyone, I’m looking for some perspective because I feel like I’m suffocating under the weight of a degree that just won’t end.

I started an Integrated M.Sc. in Mathematics (minor in Data Science) back in 2020. I was supposed to be done a while ago, but I’ve struggled with the transition and ended up with 11 backlogs from my Bachelor's years. I’m currently 24, running on a course extension, and honestly? I feel like my life is on pause.

This isn't just about the academics anymore—it’s destroying me mentally. Every morning starts with the weight of those 7 papers hanging over my head. It’s a permanent "cloud" that follows me everywhere. I used to believe I was capable, but failing these papers repeatedly has made me doubt my own basic intelligence. I’ve started to feel "less than" my peers who have already started their careers. Watching everyone move ahead while I’m still stuck in the same loop makes me want to withdraw. It feels like I'm "the guy with backlogs" and nothing else.

I’ve been trying to clear these papers, but it’s a cycle of "one step forward, two steps back."I started coaching for Bank and SSC exams, but it feels pointless because I can't even sit for the final selections without a degree.I’ve done a few random gigs, but nothing that builds a career. I never even touched the Data Science side of my minor; the advanced math just drained my interest. I’m actually very passionate about Finance, Teaching, Business, and Movies. I know I have good logical thinking and teaching skills, but I can’t seem to apply them to anything official because I’m tethered to this unfinished degree. I’m planning to give this current exam cycle one last "do or die" effort. If I don't clear a significant chunk, I’m considering dropping the degree entirely.

1. Is dropping out after 6 years a "sunk cost fallacy" trap, or is it a smart move to save my mental health?
2. How hard is it to pivot into Finance or Business without a standard Math degree? Are there certifications (like NISM/NCFM) that actually carry weight?
3. Should I start a fresh, easier degree via distance learning (like IGNOU) just to get that "Graduate" tag for competitive exams?

I feel like I’m falling behind, and my confidence is at an all-time low. Has anyone else walked away from a "stuck" situation and actually found success?

TL;DR: 24yo, 6 years into a Math B.Sc., 7 backlogs. It’s draining my sanity and confidence. Want to move into Finance/Teaching. Should I drop the degree after one last try?