Fertility questions

I’m only 21 and my fiancé is 20. We have been together for a while I’m sure that don’t matter , but I’m real worried I can’t get pregnant. I know it takes healthy couples up to a year or longer to get pregnant ive heard it but I’m still so worried. We have been having unprotected sex for over a year now, maybe like a year and a few months now and nothing & he finishes inside most of the time like every single time. I know we sound dumb but we know what we are doing we have been together since freshman year of highschool, we know the consequences and if I end up pregnant we will get ready-nobody is ever ready for a child unless you plan years ahead. We both have jobs and have money but not like thousands and thousands for a kid but we will have money if it happens. My question is though I’m nervous that I’m sterile or maybe he is, I do have a lot of medical problems like I’m on a lot of meds for psych issues but I’m stable and have been since I was 14. I want to go to the obgyn and ask if they could check to see if I’m fertile or not. I have my Pap smear coming up though & I don’t know if they check for that during it. & I don’t know how much money it costs to check if you’re fertile or not. I want atleast 2 kids by the time I’m 34. My family goes through pre menopause by almost 40 and I’ll cry and be heartbroken if I don’t have kids by then.