I had ds at 20 after falling pregnant by my ex dp when we'd only been together 9 months, lived with parents, had no savings etc.
When I first fell pregnant I booked in for a termination. It wasn't how I'd imagined it, I thought I'd be in a much more stable position and I was worried what I had to offer to a child.
A few days before I was due to go in I burst into tears and told my mum everything and she asked my reasons. When I told her she said that she wanted me to make the decision on what I actually wanted, not because I thought I couldn't afford a baby/had nowhere to live.
I ended up not terminating (obviously) but I was incredibly lucky in that I had both parents willing to help out if necessary. Also I have PCOS and had been wrongly informed at diagnosis that I would never conceive without IVF so that swayed my decision too.
I don't regret it and I love being a mum, even though I am now a single parent trying to juggle a 5 year old, a job and doing a degree by distance learning. I've often sat and thought about the tough side of things (always just scraping through money wise and watching my friends do all the things I'm not in a position to do) but I genuinely don't regret it. My ds has never gone without and he's a happy little boy.
You shouldn't feel guilty if you decide to terminate. I think the decision really should come down to your gut instinct, not an attempt at trying to work it out logically.
Hope it all works out OK for you either way OP, it's a very tough position to be in and I remember how horrendous the period was where I had to decide 