Wadstat,
Imo, the underlying question about yourself is the sense of
responsibility... it is not solely about having a child or being
able to provide for a child... when a child is involved, two
families are involved... no direct kin will ignore your plea to
help... so don't use age, schooling or savings as excuses...
If you are responsible enough, you are old enough... if you are the
kind to shirk responsibility, you are nothing even if you earn
thousands a month or have a million dollars in the bank...
take it as a stage in growing up
and if certain urge's a must, use a condom
take care