Late period...changed bc... should I be concerned?

Hey ladies! So I’m a little concerned and not sure what to think.

I have been on a birth control roller coaster since this past summer, and for the last three months I have consistently been on lo-loestrin fe and have had pretty consistent 3 to 5 day-period since going back onto the pill. I have been extremely stressed, like everyone else, between Covid my graduate school being possibly postponed, losing a job, and if you other things. My boyfriend and I have only had sex once my last two or three weeks because of the stress which is not the problem here. The problem is my period is three days late. I am not sure whether to be concerned that this is a pregnancy or to chalk this up to extreme stress or if it’s from all my hormones changing.(I finished up my five years on the IUD, tried the Nexplanon, got that removed while on the NuvaRing for a smooth transition before taking that out quitting the complex birth controls and going back to the pill which is what I’m on now and have been on for three months consistently).

What do I do?