Hey Erin
Firstly, woah there. Slow down girl. Breathe. Stop and have a decent cup of tea or coffee and some cookies and be nice to yourself. OK, you need a job. This is solvable. As a student it may not be ideal, but it's perfectly possible. Also, you're a student... you're on your way to a decent job in a few years in any event, which is so very lucky! Yeah, you've got a little debt right now, perhaps if you work on it you can kill it in a few months.
Now to HRT. It's not a miracle GrowGirl potion.

Changes come slowly and most people won't even notice them. I absolutely know what it means psychologically, hell, I ran home to put on my first patch!! But HRT is really not going to make any difference to your working environment.
What is the issue about being out or not at work? You need to help us a bit here, 'cause your avatar shows a girl, really it does.
Freezing your sperm. This is cool, you're clearly thinking about your options; many girls don't. But try not to get wound up if you need to come off HRT for some days. Remember if you go for SRS you'll be off HRT for several months, aaaargh! But it won't make you any less of a woman.
Also, I want you to ask yourself this: have you become materially more of a woman since you started HRT a week ago? Of course not, because the woman already exists; she's right there between your ears. I understand that it took guts to start, but hey, you'll get your genes frozen, and wow, what a gift your present self is giving to your future self! You'll thank her for her generosity, even as you wonder how the student airhead was ever sharp enough back then to anticipate a future need.
So, you're being misgendered by your family. It drives me nuts too, but I know that they don't mean any harm (hopefully neither do yours) - they're just having difficulty breaking a habit of 25 years. A little exercise I did soon after I came out: I imagined how my mother, father and sister must individually feel. The person they thought they knew is someone totally different. And now he, sorry, she wants us to flick a switch so that everything changes. Cut us some slack girl - we need time, and sorry for getting your gender wrong, we've got our own battle going on here.
And when you feel overwhelmed, stop. Tea. Cookie. There is time, really there is.
hugs
Julia