I'm new here myself. I've gone through very similar things, and I've learned that anxiety produces a huge range of physical symptoms, including every single one you've mentioned. I also know how frustrating it is being a broke college student with little access to care - I was one myself when most of my anxiety problems really started hitting high gear. I don't have all the answers (if I did, I wouldn't be here), but I do know how you feel. I've had Klonopin a few times myself, and while I've found that it kept me from having a full-blown panic attack, it doesn't really fight the underlying anxiety. I can mostly hold down the panic attacks myself, so I don't really bother with the Klonopin. I can't really speak to whether it's addictive, because I think that depends on a lot of factors - usually people are given a very small dose for anxiety, and some people are more prone physiologically to addiction than others. But if the idea of the drug itself is giving you anxiety, it's kind of counterproductive to take it.
A question for you about your healthcare coverage, though - I know that when I was in college, I could still be covered under my parents' health insurance up to a certain age. Is that an option for you? If your parents/guardians have health coverage, check with them to see if you could be covered. The way I see it, anxiety sufferers can use every possible resource we can get.
I'm glad you feel a bit better after being able to share, at least - I think having a community of people who understand what you're going through can sometimes be the most helpful thing for a person when they're feeling afraid.