Oh man, I totally understand.

I'm doing a SECOND undergrad degree because I feel incompetent and that the real world is scary!

For the student loan, try not to worry too much. They can't take money from you to pay it off if you really don't have it! That's where talking to financial advisors come in handy if it comes to that.

But you WILL find a job, have faith in yourself. You're not stupid - you're BRILLIANT!

Anxiety is normal from all I've heard, but it's pretty paralyzing, huh?

One step at a time - have you talked to a career counsellor about places you may look for a job in your field??