Hello aspirant,

You are so young, its not late at all, its normal to have distractions in life and that comes in this age so do not over think about it please look forward with a positive vision and great things will come knocking at your door.

Start preparing well for SBI clerk and PO both. Complete your graduation if you have not and do not worry about the age. You are very young and have a lot of time to appear in to exams. Go ahead and give another try, Life will teach its lessons by failing you at some points so that you try harder not that you get depressed and quit.

Pick up yourself and work hard and hard till you succeed.!!

I hope it helps.