Don't be so hard on yourself. My early 20s were extremely difficult financially and I had a degree too. I could barely afford groceries each week let alone normal toiletries and clothing that many people take for granted. I was getting paid minimum wage for a job that required my degree and I felt scammed. Also had thousands in student loans to pay off.

Things have improved a lot because I was able to use each job as experience towards something slightly better, and I also moved to a city that was more affordable. Looking back at those years, it's amazing I was able to get through it and I know how you feel. I wish I could show you a glimpse 10 years from now how much better it will be for you because you sound like you're smart and have a lot of drive.