Hi, I am almost 40 now but found myself in a similar situation as you in my early 20's. My anxiety and panic feelings prevented me from going to class and I spent years dropping classes so I could get the $ back, just to do it again semester after semester.
I can tell you that not graduating at a traditional age dissapointed and followed me until my early to mid 30's. Terrible jobs etc until I went back to school.
I've since completed grad school with honors but I am no where near as marketable at my age as you would be at yours.
Understand you're not going through anything a ton of people are going through and you are safe. See a doctor, meds if necessary, and live to your potential. Don't give up, you can overcome poor grades early on, better than at the end.