I used to think like you all the time lil when i was at college, I fell pregnant at 18 and it was amazing & we have abeautiful 4 yr old girl now, but please wait till you've at least finished college, i've done a degree since having my little girl but it's been bloody hard work & i used to look at all my mates at uni & although i love my daughter & hubby to bits and wouldnt change anything i did used to envy them-loadsa time to do their work , i had to do mine when little one had gone to bed, they had days off for hangovers i had them cuz she was ill or playing up and i guess i'm a little sad that i never got to experience the whole student social life thing, having kids is definatley worth doing, but please wait till the time is right!
Oh and with regards to money when i fell pregnant my hubby rang his brother ( who has 2 kids) & said that we we're worried about money & he said that how ever much you have it's never enough & it's so true, but at least if you have an education you can get a good job & be able to give your kids that bit more than we could for the first 3 yrs of our daughters life