On school, I find it really helpful to try and figure out why you're struggling. It sounds like you've been feeling pretty overwhelmed and anxious. Focusing on self blame tends to make things harder, especially when you have anxiety. Take time to figure out why you're failing (as in "I need to make structured time to complete my homework" or "I need to work on getting more sleep", instead of as in "because I'm stupid and I suck") can really help.
College debt is horrible, and I can't really speak to that, but I went through college with... pretty severe anxiety, and it was pretty bad at times, but I'm still glad I did it and had some amazing experiences. Tips
-You don't need to be friends with your roommate. Three years, I lived with friends, but first year I lived with a stranger with a totally different personality. She turned out to be a pretty cool person with her own struggles. We didn't talk, but we quietly respected each other's space.
-Use campus mental health programs. Free counseling is super important, and it gives you somebody on your side if you need accommodations for your anxiety. Talk to teachers at the start of the semester if you're having a rough time, and keep them updated. Plenty of teachers are understanding and give extensions.
-Find quiet spaces. If you need a good cry, or just some quiet, it's good to have a place you know you can go. Me and my friends had a hallway we jokingly called "the crying hallway", because it's where everyone went when they needed space.
-Visit the local animal shelter. Small animals need socialization, you need to hug a dog occasionally. It's a great combo. I visited cats in college and it was super nice.
-Try and eat well. Eat some green things and protein things, and your brain and body will be more resilient.
On dogs, I wouldn't worry too much about a pup going deaf. (Though I would worry more about your mom giving him human food) As somebody with a deaf... dog in law(? fiance's family dog), and somebody who researched it a bit while adopting, dogs adjust to deafness much better than most animals. The main thing to work on is not scaring him! There's lots of great articles on line about training deaf dogs, but if he's getting snappy, he's probably just getting surprised and jumpy. There are certain ways to warn deaf dogs that you're coming that should make his world a lot less scary if you teach them to the other people in the house.