Pregnant? Or not

I just started college and I'm been stressing a lot about school and money. I always get my period regular, sometimes I'll be two days late. But this time I'm a week late and my boyfriend says it can be cause of my schedule changing since summer ended and now I have school and cause I'm always stressed out. But I'm never a week late so I took a pregnancy test today and it said I was negative. So what's wrong with me.