Do I have a cold or something worse?

This all started 2 days ago. I cough and sneeze a lot. My chest is constantly congested and kind of hurts from the pressure when I lay down. My nose stays stuffed up. My throat is all scratchy. Water helps a little and so does being up walking around. I can breathe better sitting up, but there is still an uncomfortable pressure on my chest. A hot shower made it worse. I did try vapor rub and it at least made it so I could sleep a little. I'm nineteen, incredibly suceptible to pneumonia, have a mild heart murmur.