What’s going on with me?!

So I was late for my period last month due to stress from a car accident, but eventually got my period. This month I am late as well. I had finals last week so maybe it’s stress from that or my boyfriend just recently left to go home for Christmas. I was bloated last week and noticed stretch marks(I’ve never had those before), but it could also be due to over eating. As of right now I am 6 days late. I don’t think I’m pregnant but I also wouldn’t rule it out. I haven’t had any symptoms that would indicate pregnancy, plus me and my boyfriend are pretty safe when doing it. But can anyone tell me what could possibly be going on with my body?