Reading your post, I honestly thought I could be writing this right now. I'm in my early twenties, have a music degree and when I realised I wasn't going to get a job in it, I jumped in to do a masters in marketing. I realised I really don't like marketing and now my HELP debt is through the roof and I feel quite lost about what to do as well.
I live out of home in a different state to my parents which is a move I made right after finishing my music degree, so I don't have the choice to move back home and work part time while I study again (which will probably cap out my HELP debt anyway). So you're in a really lucky position at the moment.
You don't need to know what you're going to do right now and you might decide on something now but change your mind in a couple of years time. They reckon millenials and gen z will change careers up to 5 times throughout their lives - and technically you haven't started yours yet!
At the moment, I'm leaning towards working in support work or social work, which will require me to go back to uni and do a bachelors degree because music isn't relevant so I can't do a masters. What I would like to do before making this huge decision is work in the industry first to see if I like it. Maybe you could have a look at working in admin at a hospital or at reception at a vet just to dip your toes in the water and see if you really like it. You may also like to reach out to people on LinkedIn who have jobs that you think you might like to see if they'd be open to answering some questions about their work.
Remember, everyone has a different journey in life and just because yours isn't like others doesn't mean it's bad. Though I'm still trying to figure out what I want to do, I've spoken with people who have gotten jobs straight out of uni and aren't happy because they feel trapped in a career now. So there's always two sides to the story.
Do the things you love, make the most of living at home and put yourself out there to find what you're calling is :)