You have fallen to the lies about get a degree and you will guarantee you a good job. You are way over focused on your education and degree as the answer to problems. If you do not get over that no one will hire you.
One big issue I see is your telling the wallmart people about your degrees… STOP THAT
No one wants to hire someone take a year or two to train you only for you to complain it does not pay enough and look for another job. It is expensive to train people and no employer can afford to waste that kind of money.
First say out loud; I made mistakes,, list them and focus on the new days not the wasted days.
Your so called over qualified is not means you have lots of usable knowledge but that you are not wanting a long term job at the low pay employers.
There are places that only interview people with college degree, they do not care in what they just use that to shorten the field of interviews. An example but not the only one. Insurance adjusters it pays well and lots of jobs available.. it is stressful and hard work. But there are tons of jobs like that.
But until you get over yourself pity party, no one will hire you. Your attitude comes out over the internet; it for sure comes across in person.
I say take that the 14/hr job and gets some real world experience. And do not whine about the pay. Your debt does not determine what your productivity worth is.
College has damaged your reality mode and use of being introverted is more of the same nonsense.
You dug quite a hole for you and if you insist on looking for magic answer it will only get worse. School taught you nothing about finances,, taking out loans to get a education for jobs before checking the actual validity and pay shows bad judgment. I would worry about your judgment if you worked for me. I call this the grandma syndrome, she says it is a great job and that was all you heard.
Do not tell anyone about your bad luck and talk about the weather or knitting or whatever but do not whine to the world it is self destructive.
Now practice your magazine smile and remember -- IT'S shows time.
May I suggest a Dave Ramsey class