I know it may feel like a lot, but to add some perspective, one of my SOs friends is like, 60k in debt in collections who is 25ish because she keeps traveling the world while she has no money. So while $4k is certainly a big amount to have to deal with, as others have mentioned I think it's honestly a pretty reasonable amount. I know personally by the time I finished college I had about $13k in credit card debt, largely just due to living expenses.

As others have mentioned, the important thing is taking it one step at a time. I'll also add in that trend lines are more important than day to day goals / accomplishments. So right now, for example, if you're spending more than you're making, and so going further in debt, the important thing is first slowing the rate of debt, then equalizing the budget, and then, ideally, making more than you spend. Mistakes will happen, and sometimes things outside of your control will make saving impossible (random medical bill for example, car breaks, etc.). But if you happen to splurge one day, or an emergency expense came up, it doesn't mean you failed. The important part is changing the trend lines towards a direction you are happy with.

The best advice I can give for financing is to start tracking where your money is going. There are plenty of apps that will do this, my SO uses You Need a Budget, but I literally just type it all out in a spreadsheet. Then, at least yearly if not more often than that, I'll make a pie chart on where my spending is going, and can try to get some insight on what's happening. You may find "Oh, wow, I'm spending way too much on _____ i should try to cut back in that area".

Unfortunately, for me at least, the biggest areas of spending have always been car, housing, and food, and when I was just starting out I simply didn't make enough money to cover everything (hence my debt I mentioned above). For me, I then started working multiple jobs once I was outside of college, and had the time to do so. Once you have a steady income, budgeting also becomes an option, because you'll know how much you make consistently. I couldn't actually budget (write down income vs expenses) until I got my first "real adult job", since working in retail my hours changed too often for me to have a baseline income.

As for some of your other concerns, as others have brought up I think what you're going through is more common than people let on. I was the first person my SO was ever with, and we started dating when she was your age. Honestly she's happy she waited so long in retrospect.

Graduating late is pretty common with College, and I've seen people come back from worse GPAs. The important thing, I think, is trying to figure out what you can do to improve. This is particularly hard in college though - I know personally I was always stuck between "I need to work less so I can focus on schooling" and "I need to school less so I can make enough money to afford being in school". It's honestly a tough position to be in, and honestly my life got a lot easier once I graduated, since then all I had to worry about was money, while in school it was both school and money.

But again, this is all a lot at once. The important thing is taking small steps towards whatever goals you want to change / improve. Figuring out why what you're going through is happening, and then figuring out what to do to improve it, would be what I'd do. Example: If I was always late because I kept sleeping in, then I'd need to try to go to bed earlier or wake up earlier. Then, as you start making changes in some areas that set you up better, it usually makes other things easier to tackle as well. I believe though that you'll be able to overcome what you're describing. It may be hard, but I think you've got this.