I am on a similar position. finished undergrad 2019 from UofT, worked full time at various stores, and part time gigs. covid hit and there wasn't much to do. applied UofT masters first time this year, got waitlisted. I also applied to SSW (fast track ones) and got accepted at George brown. Gonna start it next month (6 weeks) and then 2 semesters (8 months) from September.
Also if you do apply for the 8 months-6 week program, you will finish like 600 hours of placements, so that should definitely give the relevant experiences if you are to apply to masters for social work.
Or if you dont want to do SSW, just look for front line workers like Relief support workers and shelter works even for like 2 days a week while you work some other works to pay the bills. This should give you some experiences. Helping other figure their stuffs out will also probably help your mental health a bit.
Just writing to let you know there are so many people in the similar situation who feel lost lol. take care