We haven't seen enough to confirm that it is Zoey, but the problem here is that if it was, the child has already been born. Didn't MC relate to Bella that she'd left 6 months or so prior to him coming to college? And we have the pics she sent him from Cali, where she'd had time to take on a decent amount of new body ink, and when she shows up at MC's house and hugs Neil we are treated to a nice look at that body, which is still in incredibly fit form. DPC has been known to make a fuckup here and there, but for there to be any chance in hell that MC has a kid with Zoey, the facts as presented in-game just don't line up right at all.