Teen pregnancy

So I was reading on the internet but was getting mixed signals and was hoping someone could help😅. I’m currently 17 years old. I had sex on the 19th of September and my partner was worried about pre-cum and said there was a chance I might be pregnant. I dismissed the idea at first but my period is now late. I have a pregnancy test but I’m not sure how long exactly after conception it’s meant to be taken? The box says 3-5 days before your period but my period was meant to be scheduled 3 days after I had sex so I’m not sure if that’s accurate or if there’s going to be enough HCG in my blood steam for the test to detect yet??

Also for if I am pregnant I don’t live with my parents and the house I currently reside in wouldn’t be appropriate to raise a child (And no I’m not going to consider abortion or adoption) so does anyone have any advice on any financial help I would be able to receive in terms of housing and enough to get me on my feet because I’m still in college. I think I’m eligible to apply for universal credit but not exactly sure how to 😅

And not to be rude or anything but Please if you’re going to come with comments like “if you don’t know this you shouldn’t be having sex in the first place” just scroll past this post and don’t comment. I need advice not criticism

And to all the people that do actually help Thankyou🥺I appreciate it so much