I've made a plan to kill myself on Jan 5th

Crisis Lines.
You should also seek therapy. It may come off as cliche, but having someone to talk to is incredibly therapeutic.
- 99.9% of crisis lines in the us are eaither inaccessible or call the cops on suicidal people since only the ones that calls cops get funding
  
  That's not true, at all. There's even a Trans-specific number listed. Help is available, you just need to seek it out.

Try going to trade school or something before you really consider ending it. I was depressed as fuck in a dead end minimum wage job with a busted car in my mid 20s when I decided to get a government loan for a one year trade school program. It paid for itself and set me up for a lame but acceptable trajectory going into my 30s. I was probably in a better mental state than you are, but still.
Learn to weld or some shit. Focus on the future instead of your shitty past.
- I’m kinda convinced nothing will ever work out, I’ll sell this car and go back to taking Lyft every where digging myself deeper and deeepr into debt, my friends will disown me I’ll move back home and keep going deeper and deeper. I’m just prolonging my inevitable death. I rather die now than experience the horrors life will throw at me in 2025

I am not in any way qualified to speak to suicidal people, so I apologize in advance if I seem to lack a sufficient amount of compassion.
I know someone who was suicidal, and attempted suicide a couple times. They underwent ketamin therapy last year and are no longer suicidal. They are overall better off than they were before. This is a person who has been dealt a lot of bad cards in life, and struggles a lot, but now they want to live. So, can you try that before you make a permanent decision for a temporary problem? You can even get Medicare to pay for it.
$6k in debt is nothing. You can pay that off easy. You can get a different job. If you don't think you can then just file bankruptcy and walk away from it. Your life can change drastically in a short amount of time from very simple things. So what do you have to lose? Put your plans on hold temporarily, and try ketamin therapy. Give it time to work, and give it an honest shot. If it doesn't work, then you can always go back to your original plan.
I want you to live, and I want you to thrive, and I want you to take what you learned and help other people who feel like you do right now.

If you do this, you'll never have a chance to try again.
I know this world is shit but you're still young. A lot can still happen between now and when you'll die of old age or climate change. Hell we might have a revolution soon! Don't you want to see that shit? I've got 3 or 4 times your debt and no job but I'm eating popcorn and watching the world end on my terms. Pull up a lawn chair!