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I'll second that advice to volunteer. It's a fabulous way of getting to meet people. And if you can find something to volunteer for that hits your own buttons and is something you feel passionately about (I volunteered as a literacy coach for a while, my Mum volunteered working with refugees and asylum seekers, and now volunteers at a community radio station) then you will meet people who share some of your passions/interests.
If social settings are more difficult for you then try and find something that means you have to interact and engage with people. Socialising, like anything, is easier for some than for others. And like any skillset that doesn't always come naturally, you'll find it gets easier with practice.
It also looks very good on the old resume.
As to people picking up on the fact that you live with your parents and have debt: if this is enough to stop people pairing up then there are going to be a lot of people staying single long-term. The financial crisis and the collapse of the housing market means more and more adults are returning to the family home having been independant, or are never getting out in the first place.
Not all women will run a mile from this. Some of them are in the same situation you're in. The extent to which it will be held against you depends on a fair few factors, including your age.
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