I had my ds at 21, he is now 12. I am all the things smug described, and have heard alot worse!! I got pregnant by accident, I choose to have the baby on my own, the man was just a short term relationship, so I knew from the beginning that it was just me, but the choice was not to get pregnant on my own as yours would be, that I couldnt have done not at 22.
Was I ready to be a mum at 21, no, had no idea what was about to hit me tbh, but I coped, still do, but given a choice, no I would not have done it.
But I would like to say, imo 22 is not an age I would want to choose to have a child on my own, and one thing I noticed after I had my son and life setteled down, is I never new the amount of things I could have done, travel, life experiences, I never considered them until I couldnt do them! Have a think about life and the experiences you would like to have and share with your dc, there maybe things you want to see and do that just arent compatible with a baby in tow.
You can have a child be a great mum, pay your own way, and do anything you want to do at 22, yes yes yes, but that is not the easy way. Listen being a mum is the hardest job there is, it pays shit, there are no days off, it gets in the way of life, friends, love, it demands 100% of your time, it lasts for a life time and there is NO going back, you will miss out on things, you will loose friends, its not an easy life, and yes you gain a wonderful amount of other things, but it doesnt come for free, and its not easy.
My advice for what its worth, live a little, do some crazy stuff, enjoy your time as a single person, learn some lessons, and you may if you are lucky meet a gorgeous guy who wants to make lots of babies with you, just have a think about it, and have lots of fun.