Well, no. Here's what
you should do:
First, put your configuration file into the jar file and access it there -- you know how to do that.
Next, if you want to allow the user to modify or personalize the configuration, then store a copy of the configuration file in the user's home directory after the user makes changes to it. You can get the name of the user's home directory from the "user.home" system property.
Then to find the configuration for the user, first look in the user's home directory. If you find the file there, that's what you should use. If you don't, then you should use the default version which you deployed in the jar file.
(By the way: this doesn't seem to have anything to do with those certification exams. Let's move the
thread to a regular Java forum.)