pregnant? or am I stressing too much?

Cramps and no blood 
Five days late on my period 
Nipples are really really sore and the outside of my boobs around my sternum 
Heart burn for the first time in my life 
But three tests later and I it still says negative 
Everyone says it could be the stress of losing people close to me on top of the stress of school and my life at home 
But I don't know something feels so off about this. I've never been pregnant before. 
Can't go in for a blood test because it will show up on the insurance bills sent to my house. 
Someone help me 😥