Its not likely to be the case with the OP but in many very overweight people, sleep apnoea is a factor. For that you need to do a stint getting observed in a sleep clinic. i think light sleeping, which is what you are doing when dreaming, could be a clue to that. Being stressed also makes you sleep more lightly/have more vivid dreams.
Some people go for years and years of undiagnosed sleep apnoea. Such people are always tired.
I know if you are studying or have a lot going on, even though you meditate it can still be very difficult to quieten the mind. Then i find you have to meditate yourself to sleep. And that can get boring when your mind is overstimilated. So its a good idea to stop stimulating your mind early in the evening. I'd recommend by 7 or 8pm, no tv, no computer no studying. Just mind quieting tasks like craft, reading, maybe light housework.