I am 18 years old(female) and have bad night terrors and wake up with racing heart.no traumatic experience/medication. what's the problem? help?

Night terrors: Possible panic attacks during sleep, or a sleep disorder. Recommend first evaluation by neurologist for sleep studies, then if all normal, referral to psychiatry to explore tx for anxiety issues.

Get a good counselor: Hard to say here on line, find a good psychologist or psychiatrist who work in a team and get some good answers for yourself.