Well personally I don't believe you have to eat ALL of your points, buts thats really very very little you are having hon. Perhaps your appetite is low due to exam stress? I think its ok to save 1 or 2 a day some days, but I don't reckon its a good idea to eat below that regularly.
Rather than adding in more cakes, desserts etc - if thats not your thing - then have fruit and yoghurt.
As above, changing from ww bread to normal bread would be a fab start.
Why not have 2 slices of normal bread, and 2 cheese triangles - that would be about 3.5? Then maybe a muller yoghurt and a piece of fruit to make it up to 5 points.
Fish is a very healthy and filling food, so thats a fab lunch. But maybe you could add a small baked potato, or portion of cous cous - its so handy to prepare! You could then spend maybe 5 or 6 points on lunch, and of course your veg would be free.
WW do a lovely little garlic naan bread, something like that may be good with your dinner to add 1.5 points.
That would bring your daily total to 18 or 19, which leave you enough for one of those ww cake slices in the evening.
I would worry that you will burn yourself out eating so little whilst trying to cope with exams.
I wish you all the best with your exams and of course your weight loss xx