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Hello and thank you for using JustAnswer. This is definitely not Schizophrenia as individuals with a psychotic disorder who believe they hear "voices," think that the voices are coming from an external source. This means that their auditory hallucinations are like someone is standing right next to them and talking into their ear, that is how an auditory hallucination sounds like with Schizophrenia. For you it sounds like your "voice" is an internal dialogue that you do when you are anxious/nervous, but you know it is inside your head and that it of your own thought. And individuals with paranoia do believe it to be true, so because you state that you know your paranoia is unfounded already discounts true paranoia, and instead you just have significant worry/anxiety. So overall everything does sound like you are suffering from GAD, but the intensity of your intrusive thoughts may lead to Obsessive Compulsive Disorder (OCD) which is considered a more severe form of an anxiety disorder...but you definitely do not have Schizophrenia, nor will you get it from these symptoms.
I hope this answers your question and gives you some guidance on this issue. Please let me know if you have any questions or concerns as I am happy to assist and support you regarding this issue.
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