Ca ipcc examination

hi dear professionals and CA's,,I'm a ipcc student from poor financial background, and I have cleared Cpt in first attempt with the self study only in 2012.
After that I couldn't took ipcc exam because of my personal commitments but i have attended accounts in the nov 2014. With self study. and got 30,(was attended only for 44 marks question) 
and there is no coaching facility in my lacality, but im good in self study. 
I have queries and need to clarify 
1) I knew the concepts in the 2014 exam but couldn't attend even for 40 marks within 3 hours. In accounts how to attend at least 60 marks. I couldn't even attend more than 60 marks in laws. And couldn't tally the problems in accounts. Now I'm afraid about ipcc. Is ipcc is very difficult to clear. even in the may 2015 also accounts was very diificult. 
2) and what about ca finals then.
3) is there, AGE is factor for ca profession now I'm 22.
I need to clarify these queries sir
Thank you, and waiting for your valuable reply.