I see. Well beyond what I've said on the alcohol subject, I can tell you a snippet of one of my dad's stories. In college him in and his best friend used to drink water while everyone else had beer. They had a great time, played all the games and joked around and everything. At the end of the night it was always him and his friend dragging people back to their dorms in their own piss and vomit. 20 years later people still tell him how much fun he was in Uni, so clearly alcohol wasn't a factor. Perhaps you need to just act sillier, you don't have to be drunk to do that believe me. Just be everywhere, talk to all the people and if they're boring then talk to someone else, just try to offer some energy. That's my advice.
Sorry about the girl thing, I confused it with a diff post. Is there something you can do about being quiet and not approaching? Of course! You cannot expect your dream girl to fall in your arms, that's the harsh truth. But you CAN expect to get results from making even the smallest conversation with just about everyone you meet. Be open to people and they will open up to you. The cutest girls are often super shy as well, and as it is you must do the hard part. Smooth sailing after you say "hi there!"
I can't say what it's like since my bills are relatively low, but I hear ya man. Just part of growing up I guess. Sorry that the new house aspect isn't working out for you just yet...
Oh and again, about sex. After college practically until you die it's the working world. If that's the way you want to look at it. You have free time still, you are not a slave. And the way you handle yourself at work is huge as well. Sex is not something to be 'earned' as you said "when will I get it" like it's dinner waiting to be served. It's something you enjoy when you find someone you like enough to spend time around them. I feel like an idiot explaining that, but it's not about having a crush. You don't even know her, she could be insufferable! Surely you want to get to know her before going balls deep in her, so do it! Just find something to laugh about if its for ten seconds. The key is to move on and do that with 100 more people the same day. Overthinking it will kill you, as it seems it already is.
I realize I'm spewing out advice when you never really asked for it, so I'm sorry if I come off snobby, I am just giving some perspective. If it means anything I think I understand your situation and relate to a lot of it currently. I think things will improve for you soon, realizing your faults/sources for sadness are the biggest step to changing things around.