How do I know whether the problem being faced is the result of my bad karma or test of God associated with it?

[Ms. Laxmi Thrylokya  asked: Sometimes, when we face a problem, it feels like God is testing me. I don't know if the problem I am facing is just the result of my bad karma or test of God associated with it. How do I know it? Although the soul is not associated with human incarnation of God, will God still test that soul?]

Swami Replied:- God tests only the devoted souls and not every soul. Even while testing the devoted soul, He will use the fruit of the bad deed of the devotee only so that even if the devotee fails, the devotee was not unnecessarily harassed by the test since the bad fruit is exhausted by such harassment. God will never harm the devotee for the sake of His test. The test will always consume the fruit of bad deed.