I'm 25 and I do think you're still very young
Both for your studies (when I was in university, there were people in their 30s, 40s and even 60s among the 20 year olds just out of high school) and also for having a kid.
It seems that you've talked about it and thought about it, good luck with your decision
Remember that when you try it might not work for a while but it might also work the first time, so it's good to have a plan that can account for either case.
And good luck