OP asked: “What should I do ?”
You need to consider withdrawing from PSU main campus at the end of this semester. Live at home for a semester while taking classes at a local community college.
Apply to an affordable in state option. If none is available, then continue on at community college while working part time & living at home.
Do your final 2 years of college at Rutgers or at an affordable in state school.
In your current situation, you are drowning in debt & unhappy at school.
Financial problems cause most divorces & can lead to depression.
Right now, you are doing the right thing, the mature thing, by seeking advice. This is your life. Give yourself a chance at enjoying life. Since you are in good physical health, financial health should be your priority.