I took all the written, and will have to retake both Instrument and Commercial written. I'm close to finishing, but will not be finished before my written exam scores are expired.
Personaly, I learned more from practacing. I too felt like I just memorized the answers. Don't worry, you'll understand the material once you start. Three books that should be used to help fill in the gaps: Instrument Flying Handbook, Instrument Procedures, and the big Jepp. Instrument/Commercial.

First of all I know how you feel.... Of all the written tests I had to take (8 or 9), the first instrument seemed to be the hardest. But this was also where I learned the most.

ALL FAA test question banks are public. Thats why ASA and Gleimm are able to publish the study guides. So with that said, it is worth it to memorize alot of the questions. BUT you definitely need to understand them too. If it takes you a little longer to prepare for the test so what? It would be much more beneficial for you in the long run to take a little more time to understand the information than to rush through it and get a 70%.

Just my 2 cents though...

I took the test not too long ago and did great. Memorize anything that you do not understand.

Well said... and then talk to your instructor to clear it up....

When i study some times i think to myself "I cant remember all this stuff". I think to myself is this achievable to become a pilot do i have what it takes. Is all this hard earned money wasted. Its always allot easier to quit than keep going. Does anyone else ever get down?

everyone hits a wall like that at some point or another.... Its not money wasted if you put the time into studying and actually learning the material.... The instructor can only teach you so much, the rest is up to you....

Keep workin... you will get there....

I had an episode like this about once per semester of college. It usually happened three-quarters of the way in, when I was stressed with schoolwork, work, and flying. But after a couple days, you take a flight on a beautiful day that goes almost perfectly and then you will remember why you started to begin with.