I'm almost 20 and I still feel like I'm 10. Loser much?

I'm almost 20 and the only thing I can put on my resume is "3.5 gpa in high school"
No work experience. No volunteering. No internships. I didn't even join any clubs in high school.
I've applied to jobs that teenagers should be able to get easily. Taco bell. Ross. Toys r us. Target. Best Buy. Home Depot.
I'm pretty smart with computers so I tried geeksquad but I didn't have hope for that anyways.
No one hires me even when I try to get a job.
I'm a freshman in college right now using nothing but student loans. I applied for scholarships and out of the ~20 I applied for, I got one 500 dollar scholarship which covered a text book and a calculator.
I live with my mom. I feel like I'm being a burden on her because she has to take care of her adult son.
I know people my age who paid off their own car and have their own apartment. One guy specifically dropped 900 on a new iphone for his girlfriend just for the sake of being able to afford it.
While I sit here with 20 dollars left of financial aid in my bank.
When does life actually start?
If its impossible to land a summer part time job am I just going to be in the same situation after college (getting a bachelors) trying to get a programming job?

I know things arent going too well for you but hang in there. This is just a little fork in the road. Just keep applying for jobs and call them back after a couple days (3 or 4).
Maybe ask somefriends who are working to put in a good word for you at their job?(:

Don't feel bad. I'm sure your ma doesn't mind. We all need help sometime an its not like your not doing anything or trying.
Give it some time things will fall together. We all have some bad days.
Goodluck xx

I'm 20 too and i think i'm 8 years old.so? I play with my brother who is 8 and i don't think myself a loser. Then what is your problem?