What do you think?

I'm 20, and just found out I'm pregnant. I feel like I'm too young, too scared and not financially ready for this. Last night when I took the test I cried on my boyfriend's shoulder for two hours, and in that time, I told him that I didn't know if I wanted to do this. Thinking with a clear head now, I'm not sure what to think. Abortion is an option, but will I regret it? Am I mature enough to handle this drastic life change, or should I not have this baby? I'm not completely against either option and that's what scares me. I can't make this very important decision in my life and I just need a little guidance.