How can a person deal with over thinking?

I’m not sure if I’ve asked this before or not but I’ll ask anyways.
I over think badly to the point where my anxiety kicks in and then depression and then possible suicidal thoughts. Which depends on the situation and usually I talk it out with someone.

But there are times when thoughts pop into my head & make me feel sad and also possibly hating my life.
Like how I’m in debt, how I don’t have a degree, how I’m working hard but sometimes doesn’t feel good enough, how everyone I know is living somewhatly a happy life or traveling, how I need to get back into school but I can’t cause of debt, how I might not reach my goals cause of debt or how sometimes I can’t go places cause I don’t have money and I use it to pay bills and keep myself alive, etc.

It’s just a lot…I hate thinking this way. I do try to think positive thoughts at times but then the real world smacks me in the face. An reminds me that I’m a adult and I have to suffer cause of bs laws and bills. ( I know I’m going out there, I’m tired an typing this.)

But all advice is welcome on how to deal with this bs.