9 days ago, I ran into a girl I hadn't talked to in a while and ended up going back to her apartment. Long story short, we started French kissing and engaging in penis to clitoris rubbing in her hot tub. I believe her panties were creating a barrier during all contact in the hot tub. After leaving the hot tub, we went back to her bed where we engaged in much of the same, this time without the panty barrier. My penis was rubbed pretty vigorously against her clitoris region, but without any penetration. After this was going on for a few minutes, she told me that she was on her period. After that, we went to bed pretty soon after. The next day, I went back to my apartment and noticed my penis was very tender and sensitive to the touch. My assumption was that this was from the friction of rubbing, but it was enough to voice my concern to my friends. I mentioned who I hooked up with from the night before, and my friend told me that he thought he heard from his good friend that she had something (presumably an STD of some sort). He said that they dated and he got tested after hearing she contracted something and that he was clean. No rumor of what STD or infection it may have been. This made me extremely paranoid. I even asked some of our mutual friends if they had ever heard of her contracting something and they all said,"I don't think so." 5 days after, I noticed my penis head was shedding a little bit of skin. Again, I assumed this was from the rigorous rubbing, but the hypochondriac in me wanted to believe it was something more. I've also had a runny nose, but that was present when I had the encounter. Other than that, I haven't noticed anything (no discharge, no lesions, no itching) but I have scheduled a STD test in 5 days just to be sure. I'm afraid to ask her directly if the rumors are true. What are the chances that I could have contracted an STD, assuming she does in fact have something? This is only the 2nd girl I have ever been in some sort of sexual contact with, without protection (the other being a long time girlfriend). Please give me your honest insight and thanks for your time.