Spotting help?

I recently moved away from home (this is my first semester of college) and have had a lot of stress over school, finances, and relationship lately. I usually rarely have sex but have had somewhat regular sex for the past month, always protected and with the same person.

I’ve noticed some spotting a few times now. Once right after sex (was quite a bit of blood) and once a few days after see (just lighter spotting but still enough to notice).

I am on birth control and have been for 4years now.... I don’t normally experience spotting between my periods, but there have been a lot of factors that have changed recently. Being away from home, working out more, high stress, new roommates, friendship/relationship issues, school, and finances.

Should I be concerned about the spotting? I’m worried but don’t want to overreact if it is stress related. (I know most people will say to get tested, but I just want others opinions)

I also was tested for chlamydia and gonorrhea at my last yearly checkup and they were both negative. No new partners since then.