Conflicted about Getting Pregnant

I had a miscarriage last June and was an experience that I haven’t fully managed to be okay with mentally. I am married and have about a year left of school. My period is late and we did have sex around the time I was ovulating. Is it bad that I’m really hoping I am pregnant but terrified if I might be? I’m not only scared about finances and getting through the rest of school but also, what if I miscarry again? I don’t know if I could handle that again.