Hi, I'd like to help you with your question.
It sounds like you may have a symptom related to your anxiety. Although it is not one of the major symptoms of anxiety, hearing voices, especially when going to sleep is not uncommon. It is called a hypnagogic state. When you first begin to fall asleep, hallucinations are very common. Some people see things, others hear things. Either way, it is completely normal.
One of the major differences between hearing voices (auditory hallucinations) related to schizophrenia and hearing voices related to anxiety is the fear of the symptom. People who have schizophrenia and hear voices usually believe they are real and although they are upset, they don't fear mental illness as much as they fear the voices. With a person who has anxiety, they hear voices and fear being mentally ill.
If you had schizophrenia, you would also have other symptoms. Hearing voices is not the only indication of schizophrenia. Many people with schizophrenia do not have the insight to understand their illness and therefore do not feel they need help or feel there is anything wrong with what they are experiencing. On the other hand, people with anxiety often fear what could be wrong with them and it becomes part of what they experience to be fearful and to worry.
Also, just by reading your question, I can see that your thoughts are organized, calm and well thought out. A person with schizophrenia is highly unlikely to be able to explain their thoughts in such a manner. Usually, you will see a very disorganized and hard to follow question.
If you feel being seen by a therapist or your doctor would help you feel better about the voices, by all means make an appointment. They will be able to reassure you that the voices you are hearing are completely normal.
I hope this has helped you,