I’m late

I had unprotected sex on the 2nd of this month and I was supposed to get my period the 15th and my periods are usually very regular. It’s now the 20th and I’ve experienced cramping but no bleeding. None at all. I’ve also been going through a lot of stress (almost being homeless, almost losing the apartment we found, money issues etc.) I know everyone is just going to tell me to take a test. But I need some advice. My boyfriend is 20, and I’m 19. We’ve been together for a year and two months, we both work full time jobs and live on our own. (I gave all the background info so hopefully people don’t just judge me for being a dumb kid 🙄) all I’m asking for is some advice and encouragement.