<human>: Condense the text into a few key points

I'm really scared. not because I don't want to be a mom. because i do more than anything, but because this is the worst time. FH and I were actively using condoms and the pill together. never has sex without a condom. we both work min wage jobs and have massive debts due to student loans and the job market sucking. we barely get by with the two of us. we have no health insurance but luckily most things are covered (we are canadian). 

i've had the baby rabies for almost two years now. I want a baby. we cannot raise a baby in an environment it deserves to be in. my FH is so not ready. and that's alright. he wants to be a dad too but wants to wait just until we can both go back to school next year. if we have a baby we can't afford to go back to school. and we can't afford to give the child the life it deserves. 

we talked about it and abortions is the route we have agreed on. but even that is causing panic attacks for me. I'm so lost. I just don't know if it's the right decision for us or not.
<bot>: taking a test tomorrow. might be pregnant.  want a baby but we are garnering fiancally ready and in a lot of debt were using thr pill and condoms everytime.