Ask HN: Is it too late to avoid wasting my summer?

I'm in my penultimate year in an honours CS course at a Scottish University, and have failed to procure an internship or any work experience over the summer. I'm based down in the South East of England (just outside Reading), and have pursued a few places in London, to limited success. Most recently been rejected from Twitter after interview (one of the nicest rejections I've had!).

I don't think I'm unable to apply myself, having had several years of experience in programming in a few languages (Python, C, Java, JavaScript, Haskell...) and having done projects relating to coursework, hackathons, and fun.

It feels like it's too late to do anything relevant to computing, for experience, except at the expense of money. Last summer I did an internship in my CS dept. at university, and whilst the experience was valuable I made a loss overall. This compounded over term time, and I'm now £1800 overdrawn with a limit of £2000; so whilst I don't want to concentrate on the money issue, it is an issue that does have to be addressed. I may have an offer for a place in Edinburgh, but I don't think it is going to pay enough to be able to live there, and I really don't have the buffer to be able to afford another loss.

It feels really late in the day to find an internship nearby, and my university term starts again in September. Is it too late? Should I just look at getting an ordinary retail job, damn the consequences for my CV? I suppose I could try to do FOSS stuff in my spare time.

Would there be small companies in commutable distance that wouldn't have even considered interns still? It seems like most formal application processes are long over. Is it worth my while continuing to cold email companies?

Thanks for reading this far. I'd love to hear any input anyone can give on the matter.