I just can't decide for sure...one way or the other (see description)

I have a 10 year old. I was a single mom for 8 years before I married my now husband. I struggled financially during that time putting myself through college and raising my son. I'm a full time nurse, working 12.5 hour shifts. My husband works full time (usually around 12 hours too) and I'm also back in college trying to advance my degree. We are currently trying to pay off our cars and student loans to reduce monthly expenses.

We unexpectedly got pregnant earlier this year, but I had a miscarriage and I desperately wanted to try again until I started thinking about it too much and kept going back and forth...unable to decide. Hubby wants a baby, but is okay if we wait...I was supposed to get my new IUD this week and I canceled my appointment because I'm still not sure. It's like I wake up every day thinking something different. Family is also about an hour away but would help when they can. I'm scared because of previous struggles. I'm 28 now and didn't want to have any babies after 30 (personal preference) What do I do!? HELP!