Have baby fever but CANNOT SHOULD NOT have a baby. need talked to?!?!?

I am in my early 20s and my husband and I have been together 4 years and married for 1 and 1/2. He just started a new job and is only making about 300-400 a week by comission as a sales rep and I am making 360 a week doing in home health care for a family friend. We have no credit cards but we do have an old car (99 grand am) that could use a ton of repairs, we have had to apply for financial aid, and we temporarily had to move in with family and pay rent but should be out in a few weeks to a month. I am overweight because I have insulin resistance and PCOS and am on a strict low carb diet as ordered by my doctor to lose weight, and I have no health insurance so I pay out of pocket, but currently owe 9,000 in hospital bills. I have a million reasons not to get pregnant. I have been on micronor for 3 months now and it makes me so moody it kills my drive and i get headaches daily, but i force myself to take it. lately i have been tempted to toss it in the trash. partly because we have been talking about having a baby for 2 years but have put it off so i can finish nursing school and he can finish his computer programming course and we can be ok financially and i am sick of just talking. my heart aches for a baby. i want to raise a baby into a child into an adult and ad a wonderful addition onto our family. i sometimes feel extremely depressed like we will never get out of this financial rut and ill never get to have a child, and my doctor says because my polycystic ovaries is particularly severe i may need a hysterectomy like my mom did as young as 30 so i feel time isnt on my side. i just really sometimes feeling like not thinking about birth control and getting pregnant and taking it from there, but i always resist the desire because i cant be that selfish without feeling horrendous guilt, and i want my husband to be on board. but my emotions are overpowering and i need someone to help me talk it out. any advice?