If I have learned bad,I would not passed exams.
If I have not passed exams, I would not went to the university.
If I had not went to college, I could not find a good job.
If I had not found a good job, I would not be able to provide for his family.
If I was not able to provide for his family, and its members would not be able to meet their needs.
If my family were not able to meet their needs, they would have complained.
If they would have complained, I would have blamed myself that poorly studied.