Am I just over stressing myself?

Tatiana
I lost my virginity in late March, we used a condom for most of it but there was a few minutes where we didn't. I had my period in late April, it was 6 days long and right on time. But right now I am 20 days late, bloating like crazy and my nipples hurt like hell. My friend thinks it's because of the stress of finals/graduating high school piled on top of a sever anxiety disorder. I took a pregnancy test on Saturday morning and it said negative, (blurry picture below), but I still haven't gotten my period yet and I'm really concerned that I might be pregnant. I wouldn't really be able to tell by my stomach since I'm overweight.