I don't want to sound harsh, here - it's not my goal to smack you and I hope you do well with all this.
that said...
You have a choice in all of this. You can do it. You can quit. You can feed this thing like you're doing, or you can work at being ok. The fact is, if you get lost, so what? It's not like getting lost causes the plane to fall out of the sky. Nothing happens - you just keep flying - which is what you are already doing - and call up ATC on the radio - which you've already been doing - and follow the C's - confess and comply.
THEY know where you are. They can get you where you need to go! You won't be in a position where you have to save yourself, they'll give you vectors and you'll just fly 'em - just like your instructor did. "lost" means nothing. It doesn't even get you into trouble. That's why the lord made flight following and "student pilot" announcements.
So getting lost ain't a problem. What's the worst that can come out of that? You do your xc over again? Well, hell, that's just flying - that's what we're in this to do, isn't it?
The only real problem I'm seeing here is your failure to take responsibility for yourself - including your emotions. If you keep up with the flying, you'll be pilot in COMMAND. Which, of course, means you're going to have to
start taking charge. And the sooner, the better, for your own peace of mind. Of course, you don't have to - you can quit. That's easy, and cheaper, to boot. But if you want to be a pilot, you need to stop encouraging this fear in yourself, stop working yourself up into a frenzy, get up, eat breakfast and just go do the damn thing. It's not the big deal you have it blown up to be in your head. Feelings are not facts. It feels terrifying, but you aren't terrified. Except in your head. Hell, how could you be? You're safe at home, typing on the computer! You're anticipating - and the wrong stuff, to boot.
Listen, you aren't going to be able to NOT be afraid. That's lunacy - hell, look what you're doing! Of course it's scary - but it's handle-able. So if you can't keep the fear out of the plane (and trust me, you don't want to get rid of it entirely), then tell it it can come along, but it has to ride in the back of the plane. Only PILOTS get to be in the front left seat, and that's where YOU are!
Use your checklists - keep it in your hand and look at it frequently to see what the next thing is - and get to flying. Once you start, it'll all smooth out.
Do it or don't. Really it's your choice. I know where all the profit is to be found for you - you know it, too. We ALL know it. Quitting won't be a profit - you'll lose a lot by it. Me? I vote for taking a deep breath, banishing your fear into the back of the plane where it can ride by itself, dammit, and do what you've been doing, flying the plane.
Good luck in your decision.