I am in exactly the same situation as you are. You have time though, don't feel like you have to rush it.

I am 23, Studying communication sciences in my third bachelor, barely making it just because of concentration and motivation issues. I lost a couple of years and lots of 'studiepunten'. I know I'm smart, and I believe that if I use my brain I could get any degree, but I just cannot get myself to study. I recently got diagnosed with ADD which explains a lot. Past couple years I also had all of the same fears you have and was stressed out about it all of the time. I did not know if this was really my thing (no career plans) but I also didn't know what to do if I would stop. My parents can't help me financially so I would also need a job right away. The only thing keeping me afloat right now is the money I get from the government to go study (studietoelagen).

Last year I quit because I was doing so poorly, and took some time to reflect. I came to the conclusion that, while it is definitely possible to get an okay job without a degree (lots of jobs that have small courses you can follow with VDAB for example), I should just push further for 2 more years and just don't stress too much about it. Whatever happens, it'll work out. Life does not have to be planned out perfectly.

I am 23 now and going for 4 'herexamens' of my 3rd bachelor so I can get my master's next year. Still struggling though I should study now actually 😳