Missed Periods but Negative Tests

[CoriWilliams]

Please please help.
I had a condom break mid-sex 3 months ago, and I missed my period a week after. I have not had a period since then. I have experienced cramping but no other pregnancy symptoms.
I tested using 4 OTC tests: at 4 weeks after the condom broke and 48 hrs after that test, and then again at 7 weeks and again at 10 weeks. All tests came back negative clear as day.
I am 19 yrs old and do not have a diagnosed fertility or reproductive issue, outside of mild hormone imbalance and weight gain issues, but they do run in the family as my mom has PCOS and other family members have struggled with endometriosis and similar issues. I have not been on birth control for 6 months now. I am a college student with anxiety so I live a high stress lifestyle.
I do not currently have an obgyn, as mine moved companies over the summer and my insurance no longer covers her care.
Could I be pregnant and the tests be faulty? Should I test more? Is it PCOS or something similar? I do not have the kind of money to go to the doctor unless it is absolutely necessary, and I definitely cannot afford to have a baby right now.

Thanks,
Cori

[ppowb]

If pregnant you would have had a positive test and early signs long since. Surely your college has access to a nurse who will guide you in these matters.

[CoriWilliams]

I am not back to college until Jan 16th, so we will see. In the mean time, I am attempting to schedule with an OBGYN before then for an exam and such. My parents are both nurses, but I can't afford to ask them for guidance on this one.
Thank you for your response though. It does give me an ounce of peace of mind.