13 days late

So I'm 13 days late for my period I have taken 2 tests and both have said negative I am waiting till Tuesday 11/23/16 to take a 3rd test. I would go to a doctor to see if I am pregnant or not but I don't have insurance. I'm trying to stay calm and not stress myself out but it's hard when you start to think you're pregnant and you're  afraid to tell the father or anyone in your family. I'm 20yrs old and I'm scared about what my family thinks of me.