M.B.
She is scared. When my kids did this we had the dogs sleep with them. Maybe a stuffed animal.
However, I don't mind having my kids sleep with me, so that is what I would do. My kids both sleep great now and in their own beds, ages 5 and 10. However, the night before school starts, or the night before a performance at school, my 10 year old daughter does like to sleep with me. It just gives her a little comfort and I let her. No I don't let it become a habit. But you have decided not to do that, so my best advice is get some help to get some sleep. Good Luck!