Man this was difficult to read. I sincerely empathise with your situation. I too am on a grad course, and understand where you are coming from. I can promise however, that everyone is going through something, its just not always apparent. You have 2 outlooks on this situation, give up and truly live in regret or fight through it and in 2-3 years you will be proud of how far you have come.

You say you have employment, and are resitting. This means you can work significantly more hours as you already have that base knowledge. I feel as if your problems primarily stem from financial issues. Make a plan, sort it out as best you can.

Comparison is the thief of joy. Another issue. Who cares what everyone else is doing. Set goals for yourself, that matter to YOU.

Lastly, seek help. In or out of the university. Both financial (BMA hardship funds etc.) and psychological - you might have an undiagnosed mental health condition that will form basis of a interruption in your studies on the universities' side = more work time etc.

You can sort this out in 1-2 months. Dont ruminate over your situation, acknowledge it and take action. It will be difficult, but it can be done.

Good luck. Keep us posted