(M18) Lost my virginity on Grindr and now I'm afraid of getting STDs. Am I overreacting?

I (M18) thought it would be a good idea to lose my virginity on Grindr two nights ago. I matched w someone (M19) and we spent the night together at my place. I had never met someone online before so naturally I had ALOT of concerns regarding my safety and health. I live in Malaysia and sex ed is terrible here since sex is considered taboo. The guy, let's call him G, showed up and the front entrance of my apartment and we walked to my house together. I had messaged him, telling him to bring condoms but he didn't and said it was fine. I felt bad that he had come all this way so I just went with it.

Before we had sex, he showed me health records of a recent test he had in June this year, stating that he was negative for every major STD (Syphillis, HIV, gonorrhea, etc.). Me being the unexperienced virgin, feel like he was lying. I might be overreacting but it was my first time and I was just concerned about my health. He also mentioned that he hadn't slept with anyone in three months. There were many things about his stories that didn't really add up in my paranoid head. He said he was 19 but he had ALOT of money and paid rent at a pretty expensive apartment (at least he told me he did). Up front, he had the latest Iphone, the latest Airpods and looked pretty put together. I asked him what he did for a living and told me he invested his money etc. He seemed pretty well educated as well by the way he spoke about certain topics (Sexual Health, Finance, etc.). He also said that he's going to med school in New York soon which makes sense I guess.

We started having sex after the "life talk" and it was pretty good. I was the bottom and he taught me a bunch of things. When the time came for us to finish, I told him to not cum inside me cuz I was worried about getting anything. He made a sad, disappointed face and continued...until he came in me anyways. I was pretty mad that he did at the time but I just continued cuz I was pretty in heat at the time as well. I came after he did and it was amazing. He came two more times after that. I should have told him to stop but I guess lust plus peer pressure got the best of me.

After we finished, we cleaned up and had a chat about what people usually do after having unprotected sex. He told me about PEP, PrEP and the tests people usually get after. I did some research about PEP (sorta like the morning after pill for HIV) and found out that I had to take it within 72 hours after having intercourse. It was 7AM at this point and I was lowkey panicking. I had no sleep and no food while being worried that I had an STD.

After he left, I went to a local public clinic and they told me that they didn't give out PEP to people who had homosexual relations and that they were only allowed to dispense it to straight couples because of the country's laws against homosexuality. They did agree to give me a rapid test and have me come back in 3 months to do a rapid test again to see if I had anything. If I did have it by then though, I won't be able to do anything about it. Another option I had was going to private clinics that would for sure give me PEP. I called a clinic and they told me it costs 1420MYR (345USD). Being a college student, I didn't have that kind of money and I couldn't bare to tell my parents to ask for help. They would probably pull me out of college. I called an NGO for AIDS in the country but they didn't even answer.

I decided that I wasn't gonna take PEP and would just wait for my results in 3 months. Whatever happens at this point is out of my control. I should have been more careful but I guess I got too lustful. It got me wondering if I am overreacting? What are my chances of actually getting HIV? Would you trust the guy if you were in my situation? I would love to hear some opinions and experiences, it would help me A LOT.