late period

hi, i’m currently 16 days late from my period. the longest ive been late before is 9 days but i am irregular. so last month my boyfriend and i has protected sex, everything went good. we also had unprotected, however it was only a few strokes. he didn’t finish and kept wiping his penis off almost after every stoke to make sure he didn’t cum in me. i’m not sure if i am pregnant or not. i have experiencing thick, white, non sticky cm rn. and i have no signs is pregnancy besides a late period. the last two weeks i have been extremely stressed out about if i was pregnant or not to the point where i have lost about 4 pounds and my hair is falling out. my appetite is not the same, i barley eat. i’m just very stressed i’m going to disappoint my family. i know i should take a pregnancy test, its just hard for me to get one (i’m 17) because i’m always helping my family at home. i want to hear what you all have to say about my situation