It probably depends on what your degree is in and what type of job you are looking for. I doubt that it really matters much for liberal arts types of areas; it probably matters more for hard science types of career fields, but it's still not all that important.
I'll use myself as an example. I was ill for most of my first year of undergrad, and spent most of the second year playing pinball and video games instead of going to class. Nonetheless, I got a 3.23 and got into veterinary school. I went to class because it was mandatory, but I didn't really devote a lot of effort to it. I graduated from vet school with a 3.0 and I passed all my licensing exams.
I had some classmates that took their GPA way too seriously. They would be sitting in the library before classes started at 8AM, after it was over at about 5PM some would stay until midnight. So some of them managed to get a 3.5. And it means absolutely nothing. They all still get addressed by the same title that I do, which is "Dr." And we all had basically the same starting salaries. But I'm sure that I had way more fun than the hardcore students: I played on my college bowl team, went to basketball games, etc. GPA does matter to some extent: 2.5 is the minimum required to complete most degree programs. But in the case of medical professions, a perfect 4.0 won't save you if you don't manage to pass the board exams.
I spent most of my career working for the US federal govt before I moved to New Zealand, so I do know something about the hiring process. If a degree in a particular subject is required to be considered for a position, a copy of your professional license or university diploma is required. If, for example, the job requires a minimum of 20hrs of college level biology a transcript has to be submitted as proof. There are some special hiring programs that require a 3.0 GPA to be considered, but generally the fed only cares that you managed to survive until graduation. Whether or not you actually know anything is more or less irrelevant. I know it sounds harsh but it's true: the govt basically wants warm, still breathing, non comatose bodies
A high GPA does not earn bonus pay in federal employment; it's based strictly on time in grade and geographic location.
I've never had a job, govt or not, where they actually cared what my GPA was. It would probably be even less important if my degree was in fashion design: the clothes I made would be way more important than the GPA. And in all cases, the further removed from college/high school you are, the less your GPA will matter. Employers don't tend to dwell on past academic glory; what you've done since graduating becomes much more important. The distant past doesn't necessarily predict the future. Case in point: the salutatorian from my high school class was working as a drive-thru teller at Taco Bell the last time anyone saw her
If I were you, I would finish the degree but I wouldn't really dwell on the GPA. Doesn't sound as if you are old enough to have enough work experience in your field to make you competitive otherwise. I usually go work experience, degree, and then GPA when making hiring decisions.
