I wouldn's say she is lagging behind in being self sufficient. She is only 20, a lot of 20 year olds are mounting up student loan debt, maxing out their credit cards and partying all night. I know personally I didnt have everything together at 20.
Maybe a baby on the way might be a great oportunity for her to get things in order. Overwhelming? Yes, but she can do it. Its a great time to delve into her talents and discover possiblities. Many mothers find business oportunities accidently along their journey as they fully embrace being a mother. Moms that love taking pictures of their little cuties end up by starting a photography business. Planning a birthday party can lead to finding they love catering, or some moms curious about cloth diapering to save money end up by designing and selling their own.
Most people in their early 20s still don't know what they want to do with their lives, and often jump from one idea to annother and back and forth. Support her, be there for her. Some people say that they would never want to re-live high school. I would never want to go back to being 20.