Why do I do these things to myself?

I’m trying to get through school and I’ve hit some kind of mental barrier. I just really hate it here. I went from I can’t write a whole paper and do a statistics unit test in one sitting to I’m going to be homeless and live out of my car. 100% of this is my fault though. I just couldn’t bring myself and write this paper. Sitting down and doing anything school related brings on this terrible sense of dread. I wasn’t feeling this way at the beginning of the semester and I really just want to fail this class and take something like it next semester. However, if I do that my GPA is going to suffer and I don’t want that to happen but honestly if it’s going to give me some kind of mental relief then that’s what I’ll do…..I’ve put too much dip on my chip this year and I’ve learned my lesson. Never again.
Either I can’t handle stress or I’ve been stressing this whole time and school is a breaking point. I don’t know I just want everything to stop.