If you have excellent qualifications you can apply for scholarships or loans. There are scholarships given by the Government. There are scholarships offered by State Governments. There are scholarships offered by foreign governments such as the British Council, MACEE, etc. There are also private organizations and companies which offer scholarships to study abroad. As competition is stiff, do not be disappointed.

You can check the list of Scholarship and loans available.

It is not the end of the world. There are many careers where you donít need a degree. For instance, you donít need a degree to repair motorcycles or motorcars. It is a trade and you need to learn the skills. You can learn the skills from a Master Craftsman or a Vocational Institution. Find out the skills you already have and explore further.

SPM is a passport for further education. If you donít have it, entry to universities can be a problem in the future. However, if you wish to learn a certificate course, you can. You may not have a degree but a trade qualification.

Usually Science stream students choose careers in science and arts stream students choose careers in Arts. However, Science stream students have the opportunity to choose careers in Arts but an Arts stream student would not be able to choose careers in Science.

If you still want to be a doctor go back and do a Pre-U in Science. Then you can apply to study medicine.

No one can stop you from doing it but most established universities would want you to have working experience before you enroll for Postgraduate studies. Even when you apply for jobs, employers prefer those with some working experience.