Phew! Sorry about the silence, I just got home from work. I want to thank you all for your replies! It's a lot to address!
So to clear the air, my SO and I have been together for two years (which is a blip, I know) but he is very, very supportive of me and loves me very much. He is footing a significant part of the living costs by taking on the rent by himself. The hesitation to discuss merging finances has mostly been on my part. I'm extremely, cagey about asking him for anything. After all, what right do I have to waltz in and say, "Well, you now have to merge finances with me and I shall be the millstone around your neck. Thank you for your higher earning salary and 12,000 savings. Here's your baby." It seems a bit high handed.
We just found a place which is why we haven't moved in together yet. March 19th is the big day for that. Everything seems so last minute, because in addition to working three jobs, I've been in school desperately trying to maintain a 4.0 GPA (I succeeded in the fall, not sure about this semester so far), and volunteering as an EMT. He's been working a grueling schedule of 12-16 hour days back-to-back. In my free time, I've been on the hunt at freecycle.org getting tons and tons of baby clothes, toys, a crib,a pack n'play, a bassinet and other miscellaneous items. Thank God for freecycle.org. Please check it out if you have time. (Free things given away. And possibly repurposed sold for income? Another Mustachian article perhaps...)
Part of my thought process in "retiring early" is to spend more time with my son and a longing to be completely free of my financial burdens and to be secure. I know it seems as if I'm not prioritizing well. My degree is in International Studies, but when I graduated in 2009....well. Let's just say it was rough.
Now to address the responses:
SuperSecretName: The Cap1 is 13.24-22% variable APR. The SL are broken into two. The first is an interest rate of 2.3% at 2,112.51 and the other is 6.8% at 3119.65. It's in Deferment currently. I didn't even know about all the tax credits! Where do you guys get this stuff from?! I'll have to get a tax accountant to help. I will re-evaluate next year and look into Target 2040. Thank you.
slappy: I could look for a another job, but the hours are extremely tricky. SO leaves for work at 12:30pm which means I'll have to find something between the hours of ____ and 12:30pm. This is why I'm thinking about Ubering. Especially if I'm heading back to school.
nereo: Thank you for the list. I'll look into them!
teen persuasion: I'll have to ask my Kasier doctor. When I spoke with him last, he seemed very firm on the idea that I stay home with the baby for six weeks. The pregnancy has been completely healthy thus far. He said it was important for recovery and bonding. I'll double check.
nycstash: Yes! This is exactly the plan. Unfortunately, it'll take four years for me to get a nursing degree. 2 year RN program and a 2yr BS in nursing. Hopefully, the science classes I'm taking now should cut down on the time, as well as the fact that I already have a BA. I was thinking of doing an accelerated program, but again, no time spent with the baby.
Kaikou: Currently, I have Medicaid which is paying for the birth since my income is considered to be very low in Montgomery County. Since he's paying for our rent, I don't think I can put him on child support. We haven't reached the point of no return yet!
lbmustache: I will definitely be getting rid of the Cap1 card debt first. It hurts my eyes just looking at it. :) We've been living with his parents but it's no longer feasible, since they have a hoarding problem and the baby is about to be born. My mother is an 80 minute commute roundtrip from our workplaces and that's not realistic either. The new place we're moving into is a little closer. Since my salary is currently up in the air, I haven't included a previous budget.
Gin1984: My 1st serving job is the one that has provided me with the steadiest income and I've been there since 2014. But there's a whole slew of issues there. Since they found out I was pregnant and even before that they have cut my hours and shifts. So I don't think I would have much of a case against them. I don't know if it is worth fighting for shifts and going through the expense of a lawyer at this point.
Diane C: I agree my questions about retiring early do seem backwards, but again I'm looking for financial stability more than anything. Also a way to live below my income in order to save money. As for adoption, I'm 29 years old and it seems a bit extreme. I'm also smart enough to know that the system is a horrible place to put a child. In addition, there's the psychological damage that comes from the knowledge that you have been given up. I couldn't do that to a new life. Plus, I have my SO's support, his family's support, and my family's support. I can't just say, "Oops, too expensive. Let's just give it away!" Thank you for the thought though.
Thanks again everyone!