This is all coming to an end soon. It would be better for you to take control now and get some help with your anxiety. Staying inside living on borrowed money is worsening your situation.
Does your college have a crisis center? There may be one in town. Anyway, call them. They will get you started down the path to mending.
I got married in college. I was 18 or 19 or so. I spent several years trying to "prove" myself financially, and I didn't even thing about it. At the time, I just followed my dream, and at some point between "then" and "now", I became good at my career.
I know you're not trying to keep up with the Jones's. Nobody does. But as a college student, you're probably trying to figure out where you fit in the world.
I promise you, it's going to feel fake. Possibly into your first relationship AFTER college. Your earning potential will go up and you'll undersell yourself because that's what college tells you to.
If I could send one message to myself 10 years ago: overshoot.
I've withdrawn as well. Although I'm "going" to school on scholarship...I've chosen online classes. I don't want to tell anyone I'm not alright going outside. When I'm made to go out I freeze up and I feel like I cannot properly function. As if I may cry. Sometimes I do end up crying. I don't know what to do either, so I'm just inside.
Better get your doc to recommend a good shrink.
You really need to go to a doctor. Staying in your room is adding to the depression and anxiety.