Hpv and pap smear?

So I am 19, and I recently became sexually active about 2 months ago, but not very often at all because my boyfriend lives out of state, he is the only person I've been active with ever, and we are safe about it. Anyways, my family is on a pretty heavy budget so at the moment we don't get regular checkups. Do I need to get a Pap smear or anything since I am active now? Is there an easier way for me to go about doing that?