You did a fine job describing your experience. This certainly sounds like it may be depression. You didn’t mention what you meant by your life being off track. But you did indicate that you’re out of school, unemployed, and feeling generally worthless. It sounds to me like your self-esteem has taken a big hit.
I agree with you. You need some help – more specific help than I can give you without talking to you to get a more complete picture of what is going on with you. There are medical problems that could be contributing to your symptoms as well as psychiatric ones. I urge you to talk frankly with your doctor. Inadequate sleep, recreational drugs, or alcohol abuse can contribute to these kinds of problems so be sure to share anyhing relevant in those respects. If you are medically fine, then ask for a referral to the local mental health clinic. If being unemployed also means that you have no health insurance, explore whether there are therapists in your area who work on a sliding fee scale. You at least want to get an accurate assessment and some recommendations for how to get some peace from all those negative words in your head.
Please follow through. Nobody deserves to be mentally beaten up like this day after day.
I wish you well.