anon it depends on what you want to go to college for and what other options you have. is it a career that will pay off? is a major necessary? are there jobs available for fresh graduates? do you only want this one major? do other colleges not offer loans? can you learn anything online to help you get started?
you also have to think about what jobs you could get once the pandemic is over and about your cost of living in this area. do some calculations to know how much you would need per month if you were to move out and see if minimum wage or whatever wage is the average for your job field would be enough or if you might need to save first and have roommates.
my advice would be to focus on your career so you can leave their house and start to live for yourself without all this added pressure and drama. just like you said: you ARE capable of it, even if it seems kinda impossible right now, you need to leave these past failures behind and keep trying! 24 is very young and you could have an entirely different life, your own place and better mental health in a few years. i know it seems like you wasted too much time but there is still a lot of it anon, you just stagnated a bit, it happens to a lot of people.
also can you get into therapy at all? by the way you're describing things it seems like it would help a lot.