Just to share my own beginning, I got pregnant at 21. I was a nanny for two families with 37 year old moms. I decided that I would rather be young, poor and fun than tired-all-the-time. I'm not saying that's how everyone is, but that was how it looked from my 21 year old perspective. Now that I'm TTC at 30 I think there are pros and cons to all the different timings. You didn't mention how old your partner is?
Anyway. I definately had different ideas then and now about how much life costs. That said, I make about what a CO around here makes now, which I think is decent. The first time I got pregnant, I made less than I now pay for sperm (oh oh! If you're rolling in dough, you might think about buying sperm now whether you decide to use it or not. Inflation is not cutting us any slack!).
I haven't kept up with news, but when I was younger Florida was pretty queer parent unfriendly. Can't say that Ohio is much better, but I have a prejudice against Florida because last I heard they were the only state with laws preventing queers from adopting. Something to keep in mind in case you split. Not that I think you're likely to split, but, well, that's part of life for many many people (do you know the song, "If love was a plane" by Brad Paisley? Or any country song, for that matter?)
I personally think you're going to get grief no matter what. Too young, too old, work too much, don't work enough. too queer, too unstable, too many cats, too many kids, haven't been together long enough, haven't been married long enough, don't own a house, too much debt, too unconventional, undereducated. We all hear about it. When I was younger hipmama discussion forums were a pretty happening place for younger mothers.
Regarding going back to school, I agree that it would be easier to do before children, but having a young kid to support was my motivation for going back to school.
Hmm, I seem to be rambling... I was thinking the other day about all the women I know who had kids before they were 21. There is a pattern I've seen where they were so responsible when they were young, they have a whole lot of pent up energy in their 30s and do a lot of "making up for lost time."
It's your decision, or your partner's, however you want to look at it. If you decide to parent younger than some people see fit, just practice smiling and nodding.