Question!!!

I've never been late besides my 1st and 2nd pregnancy. My cycle is average 28 days and I'm always on time and last 5 days. I'm 9 days late for AF. I've tested 4 times and tested yesterday at a pregnancy center with a test that was supposed to be sensitive to pick up hcg in early pregnancy. All pregnancy tests are negative. I don't have health insurance so I can't make a doctor's appointment. I don't have any signs for my AF and I'm only experiencing dizziness. My question is how late where you when you finally had BFP? Am I out? Could stress really be the reason for my AF not showing up? 😔