Yes I have. I made it work, I was ten years younger than you. My mum pleaded with me to have a termination, I was working on an opening team for pubs at the time. Something didnt feel quite right, so I didn't have a termination. It was hard work, I rented privately and had help with the rent while on maternity leave. You can make it work if you think you can't go through with it. Family say this stuff now but they will love any child you have, my mother and son are very very close.
In retrospect though, if I could back in time I would tell myself to wait but thats only because I was so young. I have loved motherhood and I could be better off, eg, I could have nicer things but I am happy with my life.
I think the real question just has to be do you want to be a mother? If the answer is yes, then go for it, you will find a way. If you aren't ready for it then a termination is your way forward, just make sure you take them up on the counselling offers.
Good luck.