What scares me the most about med school.. Random I know

Hmm.. What scares me the most about medical school?? Is it the cost?? The fact that I am already in debt with my car payment, my rent my cell phone bill..etc etc.. Unlike others my parents do not pay my bills even though I am only 21.. But I guess under the law that makes me an adult. I have been paying for all of my bills since I was 16... I'm rambling now.. I do that often..
ANY WAYYSS
What scares me the most about med school?? Is it all of the material?? Maybe.. I will be the first in
my family to graduate high school or college. When it comes to school.. I am completely alone.. One could say that the material load is frightening..
Am I scared because I do not know what to expect or because I'm doing it all by myself or because I have horrible study habits... OR IS IT ALL OF THE ABOVE??!!!! YUP!!!