You're an overworked fiancee - but that's not your fault. Wise advice from sara3: there are things you can control and things you can't. There's certainly a lot landed on your plate just recently, and no wonder you feel your life is in a mess. But one thing at a time. For a start, don't panic over the driving: just keep half an eye on the speedo at all times, take your time, set out early (one of the benefits of not working!), don't let other drivers rush you. Though it's spooking you, it's probably the one thing that is totally within your control. With the job, well, who knows how long that will take - it's very hard to predict, but many people are out of work, it's to do with recession, it's not because the universe has got it in for you personally. As for the university, have you considered other options open to you? Other courses, other universities?
I can see why all these things are weighing on your mind. But remember one thing: it's not about you. You aren't failing in anything. You are being buffeted by external circumstances. It must be very hard work for you, but you have no cause to blame yourself.