There's been a lot of good advice here so far. I too am 25, I don't study I work or I go to work, not much work to do there... But I too feel like there's not much point.
However, I have the advantage of being able to see a counselor about it. I understand ur low on cash, most students are (why isn't education free yet?), so I recommend talking to someone in your life who will listen.
This forum is good, lots of positive growing people, but it's a forum. There is great power in talking to a physical person who will listen, not lend advice, just hear you out. Is there a student counselor on your university campus? If you are feeling able to try to find just one person in your life who will listen, the support will make a difference. They may be able to help you find a free counseling service. Good luck.
BTW Where's ur name come from?