Don't worry dude. Things will work out. I was in your shoes several years ago. Young, very broke, and I totalled my car in a snowstorm. Took out 2 new SUVs in the process. Basically I was f*cked and kept thinking why sh*t like that happened to me. Wasn't sure how I was going to get to work, etc, etc. Couldn't sleep at night because I kept obsessing over the accident, about the possibility of getting sued, about insurance and basically how I was going to get through this one. LOTS of stress the 1st few weeks or so getting everything sorted out, but eventually things calmed down and I got into a rhythm. Managed to get by w/o a car for 8 months, and once finances were in order, bought a new car. Looking back on it now, I was very fortunate no one was seriously hurt or killed. Now THAT'S when you're really screwed.

BTW I hope you were nice to the woman and didn't blame her for the accident. Ppl are so sue-happy nowadays, the last thing you need to do is encourage them. The 1st thing I did when I saw the 2 other drivers was ask them if they were OK and say how sorry I was.