Pregnant with negative tests?

I'm currently 28 days late and I've taken 4 negative tests. 2 were dollar brand and 2 were the $30 ones. What other reasons for missed periods are there?? I've been a bit stressed but not more than usual.

I had sex (with protection and he didn't even cum inside me) in December and then I had my December period. However I COMPLETELY skipped January. I'm nervous because I feel like if I'm not pregnant then something else could be wrong.

I really don't have the money for a dr apt but if anyone thinks it's absolutely necessary then I'd go. I'm 22 and I've never missed a period like this.

HELP??