z33 - you have what might be some of your best days ahead, fear not!
It might feel scary in the final year, you have exams and its where most of your degree counts! (unless you are in year 4 and have done ridiculously well in year 3) Society is certainly changing and while 60 years ago it might have been normal to leave school at 15, get a job down pit and settle with a family by your twenties, there is now a protracted period where young people have to struggle. It may involve a time back with your parents while you save up enough to move out. Or you may have to flat share/house share (although in some ways this might be a nice halfway house between the 'student' experience and the adult world. I personally (at 35) think the biggest challenge young people have when they get older is less the world around them but more coming to terms with your own decreasing youth! Its not all bad though, there is something very pride inducing about having your own 'place' /marriage/kids and all that jazz!