idk what to do

I 19(f) so I have this friend 19(f) and she's cool and all but things have been getting weird. I've been distancing because we only talk over the phone or text and i would always ask when we could hangout but she would never execute an actual plan, I get people can be busy and all but she genuinely has a lot of free time, she tells me on how she's always in bed and goes to work, and I just want to see my friend and have fun with her. and she is a great friend I'll tell you that but she kinda talks about herself a lot, it's a pet peeve of mine when people talk about themselves a lot. whenever I believe that I talk about myself a lot I will call myself out on it and give her a chance to talk about herself. see I am still living with my parents since the rent is a lot in California and I'm still looking for an apartment and my dad has lost his job because he is an immigrant and when I bought it up to her and just wanted comfort, she didn't offer the best comfort and actually resorted to talking about herself and a guy she's been texting, she's not the best at comforting and I get it, some people don't have the right words to say but I at least expect words of comfort instead of just brushing over the situation, she also always talk shit about people from highschool and it's getting to a point, in highschool id always talk shit with her but the only way she starts a conversation is by sendinh a SS of someone she doesn't like and makes fun of them, I just hate negativity. what do I do?

TL;DR- I've been distancing from my friend and I need advice on how to talk to her, what do I do?