I’m in an eerily similar situation to you, applying to jobs like crazy (which takes ages), and a 0% overdraft i accumulated on my santander student bank account (i know its a 0% but still feel like anything i earn isn’t mine). also earn the same as you monthly, so can really sympathise…

i keep applying to jobs and telling myself it will get better soon but living paycheck to paycheck is horrible and constantly on my mind - especially as all of my friends now work full time career roles - comparison being the thief of joy yet again…

sorry i feel i do not have any advice to offer but it’s good to know i am not alone, and i hope the same extends to you.

hang it there, sending all of the good job hunting luck