Oh Kathy I'm so so sorry to hear that you're feeling this way.
First of all (((BIG HUGS))) to you.
Second, I definitely think you should see a doctor. I think its better to take the plunge, talk to someone and get their professional opinion then it is to wait and risk getting worse.
I can't even tell you how many times I've thought the same thing. How do you know? I know some of my daily symptoms feel that way.. but am I just stressed? Will it pass? I really feel your pain and you're not alone. Depression runs in my family so I've seen so many sides of it. I ended up having to go to the doctor because I started having horrible panic attacks. So far we're only treating my anxiety with a low but consisten doseage of xanax and I'm feeling better overall but not completely. But the important thing is- I thought to myself WHY IN THE WORLD didn't I do this sooner. I think I was embarassed but I've come to realize that it's more important to take care of yourself to be the best you can be then it is to hide behind a fake smile.
And about your specific stressors- just try to remember and tell yourself that it will all pass eventually. That's what I'm working on right now with a bunch of stuff going on in my life bringing me down and making me feel a bit stuck. Things do have a way of working themselves out in the end.
Hang in there sweetie.. I hope things get better and the doctor can help.
In the meantime, I'm here if you need to talk or vent or cry.