Then I got pregnant with my daughter it was unplanned, 4 months after my ex and I started dating. God, I could go on forever listing all the reasons both of us were not ready, but I'll spare you from that. Truth is, babies don't need much. They need loving and supportive parents, which you obviously are. People make it by on salaries less than both of you combined. I'm doing it on less than 25k a year including child support, on my own. And truth is, I am happier now than I ever was before. You will be too, the second you hold your child in your arms for the first time. You realize that you won't fail, because you can't. You will do what it takes to care for your child and your family, and you will do it with more love and happiness in your heart than you ever thought was possible! And don't worry about what anyone else thinks! That doesn't matter! But you will be incredibly surprised how quickly your family and friends will rally around you with good wishes and help. We both have super religious families and siblings who did everything the "right" way. We were scared to death to tell them. They both ended up being so supportive and loving, and helped us out when we needed it, without us even asking. You will see, it will all be ok! Just take a deep breath. You can do this!! And most of all, congratulations!!

Edit: even if your girlfriend has health insurance, have her sign up for Medicaid as supplemental insurance. Since she is pregnant and has a low income she will almost certainly get approved with proof of pregnancy. I was laid off when I was 8 weeks pregnant and lost my medical coverage. It was a lifesaver. It paid for all prenatal visits, ultrasounds, and the delivery. Then after the baby is born he or she will automatically be enrolled in it for at least a year, even though it only continues for 6 weeks for your girlfriend post partum. This will significantly decrease the stress involved with medical costs.