Why is the Future So Scary??

I never thought I say this but the future can hold off as long as it wants! I'm getting so stressed with things to happen in the future it's scary. My dad's business has been barely making it by due to the broke customers and bad economy. He gets work in but people don't pick it up, therefore not paying him. He has agree to pay my car payment till I'm out of college (next year) but that's hard for him to do. It would be easier if this also didn't affect my credit so we can't be late and the money has to be in my account each month. Also for those who may put this against me, I did buy my first car myself with my own money. However it was used and it was my luck that it broke down to the point that it wasn't worth paying for. And I didn't ask for this car my dad offered and got it...

If that wasn't stressful enough, I'm already thinking about getting my own place apartment or house I don't know. Obviously not now, I'll need to save up, but as I'm so focus on making ends meet with money, my boyfriend of almost six years acts like it's no hassle at all. I would be fine with this if he had more money, but he's middle class like me as well. He wants to be a college professor in religious studies but it requires so much. He's going to be a Junior in the fall sem. he hasn't have to used loans yet but it is getting harder. Because he want to be a prof. he needs his masters and PHD before getting a job. I understood the process until now...

Now he's looking at an out of state graduate school in North Carolina. So he'll have to pay the out of state tuition on top of paying for an apartment to live in.Oh and he wants me to go with him, so then me depending on a job there... its just so stressful. I don't know how he expects to ever pay those loans off and who know this may put off us getting married or even having children. I know this sounds paranoid but I think about these things and I feel if he stayed in state there wouldn't be such a burden with money.

So what do people think? Am I freaking out too much? I know I might but like many girls my age (22) I've thought about how old I want to be when I get married or have children and these extra college expenses he'll have I'm afraid will ruin everything....what should I do.....