For the money problems you could possibly look into your universities hardship fund.
As for friends, you have to just get out there more. Friends aren't just going to fall into your lap. And the assumption you have made that every has close bonds, likely very false. Nobody wants to be on their own so they're just clinging to people they know, doesn't mean they're close or even spend much time together if at all outside of university. I know lots of people like that.
You still have time to find friends to get second year housing with, but if you don't you could either go into accommodation again (preferably a cheaper one) or you could post on your universities Facebook page later on in the year to ask if anyone is looking for a spare house mate as often people change their minds about who they want to live with in second year, or people drop out after signing tenancy agreements and so a replacement house mate needs to be found. It's not ideal but it's not the end of the world. We have a new guy in our shared house this year who we got since we had to replace someone, he fits right in now as if he was always with us.
If you're feeling depressed you may also want to look into your universities mental health help, many offer free weekly counselling services or just someone to talk to.
Another thing to note, I know you said you're not motivated to go in. But missing a lot of lectures will only make things worse. So in effort to at least not make things worse you should start going in more. And you're more likely to make friends if you're in all the time.