Well, this is why you need to take a bit of time and collect your thoughts. You sound very unsure to me. FWIW, I went through very similar torments-having never brought a child into the world I could not be as relaxed about it back then as I would be now, knowing what I know now, IYSWIM.
I went through utter agonies, mainly around thinking I would be doing the baby a disservice if I brought it into the world and found that I couldn't give it, say, the same kind of (financial) stability my parents gave me and my siblings. Ridiculous, but a very real fear at the time.
I likened the decision at the time to climbing a very high hill, at the top of which are two doors (bear with me....). Once you've slogged it out to get to the top, gone through counselling and the like, you think you'll know what to do, which door to go through, but you don't. Well, I didn't.
I suppose what I'm saying is it's a leap of faith-you have no way of knowing which door to go through ie to have the baby or not, but there's no right or wrong here. YOU WILL DEAL WITH IT, whatever you decide.
I have to say, purely anecdotally from this site, that I don't see many women on here regretting that they had their baby, but I do see a few regrets wrt abortions. Maybe someone will counter that.
If finances are a concern-that can be got over. As for "Daddy", and what to tell the child, you will find a way to deal with whatever the future holds for you and the baby. There are countless scenarios, but what you can be sure of is that you will by then have a beautiful son or daughter who will enrich your life immeasurably, IME. I wish I could shoot you forwards a few years- when I look back I cannot believe I worried so much.
You didn't mention RL support-any friends or family to confide in?