Now to address other issues in your situation.
(I’ll refer to Social Science with Community Mental Health concentration as SSCMH, American Studies as AS, and Communications as C.)
There is little difference in employability with these 3 majors. Unemployment figures on Students Review dot com for sociology, history and communication (the majors listed there closest to SSCMH, AS and C, respectively) are 4.1%, 5.6% and 6.8%, respectively. The salary ranges given on Payscale.com for sociology, history and communication are almost identical ($32,000 to $65,000). Both these websites indicate that sociology majors are apt to become administrative assistants and/or work in human resources or recruiting, a large minority of history majors teach in some context, while the other history majors work in a wide array of white-collar occupations, and communications majors are apt to work in marketing.
So the big reason (in addition to a couple of small ones) I recommend that you finish your undergraduate college work with a SSCMH degree is that you only have “1 or 2” courses left to do that way. I consider it unlikely that the trouble you will have to go to to get a job with a SSCMH degree (supplemented by the C and AS courses you’ve done) will be as great as the trouble of doing 12 or more courses in a new area. I therefore see it as much more sensible for you to investigate the job market for a liberal arts person than to start over with a new bachelor’s degree.
The difficult part of employment as a liberal arts person need only be in getting the first few months of work experience in an occupational track that is fairly secure. You will have to: 1) research the job market for someone with your liberal arts education, identifying jobs that are in demand and likely to stay so or artificially have security, like public school jobs, 2) coach yourself to be patient while you are seeking employment, 3) learn the activities necessary to be successful in job hunting, i.e. finding job openings (not only through advertisements, but also through friends, family and other people who know you), resume creation, cover letter writing, interviewing, 3) apply for MANY jobs and 4) make sure you build work experience in secure, and otherwise desirable, directions.
I think that only in the (unlikely) case it does not happen to work out well with just your liberal arts degree, consider doing something to augment it, such as a human resources course or a teaching credential. (By the way, there is forgiveness of common types student loans if the student goes on to teach in certain areas for 5 years, described at https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/teacher.)