Feeling stuck and losing motivation before my exam

Self-studying for the FM exam this June session and I’m struggling. And this isn’t really like me. I’ve been procrastinating a lot and even when I try to eliminate distractions and sit down to study, I just end up zoning out. It’s like my brain just shuts off. Only 18 days left & I’ve barely done any question practice. Tried giving myself pep talks, reworking my study schedule, went for walks to clear my head, even trying to scare myself into focus by thinking about what failing would mean, and failure really isn’t an option for me cuz I can barely afford the fees. I’ve been stuck at home with nothing to do but study yet I still can’t concentrate. The panic is starting to kick in, but it’s not translating into action, just more mental noise.

How do you all push through when motivation is dead and panic takes over? I’m open to any tips. study hacks, mindset shifts, anything. Just need to get out of this rut.