Pregnant and not ready!

I’m in tons of credit card debt...4K which I can clear by mid next year.

Next year is also when I graduate with my bachelors and start my new job which I’ll make 10k more.

Next year is also when Fiancé and I was suppose to start trying.

But I’m pregnant now... We used condoms and pull out method together but 3 positives can’t lie..

What do I say to him?

He’s 39 and I’m 30 we’re both adults but

With my credit issue..I can’t afford a baby right now.