This economy is leading a number of bright, young people into your situation. Not that that's any consolation......

I assume you don't live in an area with bus service. (Of course, even that costs something.) Although you hate certain jobs, you might have to bite the bullet and just see what you can get, even if it's a retail job. At least you'd be getting some money and can save up to forge ahead with something. I'm so sorry this problem is happening to you.