I have heard many times that life is a test. But I have come to the conclusion that it's less of a test and more of an education. The point is less to get all the answers right than it is to learn. There is no grading scale that says "80% right choices or above=Celestial Kingdom, 60-80%=Terrestrial Kingdom," etc. I feel that is sometimes how we live the gospel, and when we feel like we are no longer living the commandments at an A level, we shame ourselves into feeling like we're not good enough and we'll never make it.
It is true that the tests are important. We do need to keep the commandments as well as we can, with sincere effort, but God expects us to make mistakes. That is the purpose of Jesus Christ's atonement - so we can repent. Even if we are getting answers wrong all day every day, Christ is always willing to teach us the right answers and let us go back and fix our mistakes. Because the point isn't to get everything right: the point is to learn and to change.
My family might laugh if they read this because they how much of a perfectionist I was in college. I am not sure I realized it then, but college is more about learning and becoming someone than just passing the tests (educational flaws and poor teaching styles aside). Job descriptions often require a degree, regardless of what the degree is in, to even apply for the position. That's because simply going to college, and graduating without dropping out, helps to change us into the kind of hard-working, committed people who will be able to succeed in a demanding full-time job. All those nights of staying up late and studying for tests when the stress was high prove, cumulatively, to our prospective employers that we are willing to stay up late and work over the weekend to finish a project, or that we have learned how to do high-quality work that will be good enough for their clients (Does this give you any insight into my last job as a project manager? Maybe I should broaden my examples a little . . .). Our education also gives us the knowledge we need to succeed in the Real World.
I'm sure there are people who cheat their way through college and do get all the answers right, but don't learn anything and don't stay up late studying for tests. They get the grade but they miss the process, when the process is the important part. The process is what gives us the knowledge and the work ethic that will make us top-notch employees.
Such is life, I believe. We are not just trying to get the answers right. The point is to learn, develop, and change enough to become the kind of people who will be able to succeed in a Celestial world (or at least get on the right track; I believe there will be lots of continuing education provided after this life). As much as I hated homework and research papers and studying, they were necessary in order to learn, just like trials and temptations are necessary for us to learn. It is true that the more we learn, the more answers we get right. But we don't have to get 100%. In fact, we don't even have to pass every test - we just have to make sure to go to the Teacher and discuss the answers we get wrong so we can learn from our mistakes.
So the next time I feel like the stress is getting to me - like I've been up all night and I'm still not getting it - I should remember that the fact that I'm studying for the test in the first place means I'm already on the right track. And it never hurts to meet with the Instructor for a little one-on-one tutoring. He is always available and He is always willing to help.