you need to be honest and upfront with the girl.you also need to take the responsibility if she decides to keep the baby. you didn't say if she is keeping it. maybe she's not ready either and aborts or puts it up for adoption. if the last two are chosen, be there for her as it will probrably be a difficult time for her too. i too was not ready, or rather, didn't feel ready, in all the ways you described. however, things change, you will realize that this is not the end but a new beginning. maybe a chance for you to change what you thought was important in your life, to what really is important. you were man enough to make the baby, now be man enough to take care of it. there is a saying, ' any guy can be a dad, but it takes a man to be a father'. it isn't the end of the world and the potential for joy far outweighs the sense of fear you now feel. i've got two boys, so i know the feeling.