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Actually, what you are going through is quite normal (yeah, hard to believe). You do need someone to talk to outside of your group of friends. Check to see if your school has a counseling department (I don't mean guidance, I mean more along the lines of a support system). Some schools offer this to freshmen since it is quite a stressful time in their lives.
Part of what you are feeling is a bit homesick. The rest is real life. Money is the root of all evil. And we all wonder if something is going to happen that we can't afford no matter how much money we have. Just think of it this way: whatever happens, happens. If I can't afford it, I find a way to. If it came down to your car needing repairs that you couldn't afford, I am sure family would help, no questions asked. So, you see. Nothing to worry about.
I think you've taken a wonderful first step to total independence. Keep a positive outlook on things, and everything will work out just great. But always remember that life is not all easy sailing. There are uphill battles to fight all the time. Some we win, some we lose. Just need to learn how to take the ones we lose and use that information to better ourselves.
Congratulations on your advancement in life.
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