My masters degree has started back up, in combination with lots of work with my freelance job. I have been having panic attacks daily that are preventing me from working. 

I've discussed this with my counselor and he says we need to determine what is making me anxious. I can't determine what it could even be. 

I have good grades, and I am doing well in my degree. I am pretty good at my job, and am on schedule with my current goal. I don't think it's that I'm scared to fail. Yet, I crumble and shake and cry almost every day in fear of leaving the bed and doing some of the many upcoming tasks. I feel so overwhelmed (even though it's all easily doable in the time I have). 

Has anyone experienced this? Does anyone know what the cause might be? 

I feel like I'm just a lazy, whiny person. But I know I'm terrified and can't determine why.