I'm a wannabe also so I will only address a couple concerns you mentioned. If I were in your shoes my focus would be on getting full time employment.... preferably in something that interests you. Be a team player/work your ass off in whatever career you decide to venture into. Live at home or find a reliable roommate, avoid unnecessary debt/expenses to get your student loans paid off ASAP. Drive for uber, keep the serving position part time WITH full time employment, sell a kidney.. you get the idea on the debt/overall financial picture haha.
From what I have read on here, If you have Solo'd that's generally a good sign that you're somewhat serious about flying. It's a good start until you can resume working toward your PPL.
If you held down two jobs at one point that implies you have a work ethic, however you may want to start thinking about honest answers to account for a GPA less than 3.0. If you aren't in decent shape or have a good workout routine I would suggest building those habits now.
You're 22 years old so time is on your side. Building some great work history outside of serving will improve the total person concept that's equally if not more important than your scores. Hope this helps and congrats on the degree and joys of adulting..student loans!!