Am I a Freeloader?

I don't even feel like I need to read what you posted. If you have to ask the question "am I a freeloader?" then the answer is yes

Nah, it's when you hit 30+ and you're living like Alan Harper in two & half men, that's when you should be worrying. But even so, if you feel like you're freeloading then do something, pick up a hobby or offer to help people. No point, lounging around and feeling bad about yourself when you don't do anything to necessary to change it.