Don't be sorry for savescum, play how you want, it's single player, though there are easier ways to get ahead, and savescumming might get you into bad mindsets. Well, no matter, let's look at your save.
I looked, things look wrong. On which Xpz version you played this save? This version looks...OLD. Like, at least one year out of date old. Maybe 2 years.
You should be trying to head to School Graduation, and the only thing OBVIOUSLY holding you back are bounties.
You have not bothered to do any Bounty Hunting past the very start. You are missing Bounty Hunting Badge C and B, and also pretty much all the prizes except a very few at the start. Without getting deep in the weeds, you need at least favours from the big 3 Bounty players, Jack, Mutant Alliance, and Zaxx bank, the last of which is blocking you from Diplomacy and consequently School Grad.
Also, your monthly activity is low. Especially for Year 7. I cannot know why at the first glance. Having a score of 8k in Jan 2607 is really not what it's cracked up to be. I would have to play your save and see why.