Should I get an HGC test?

Hi. I'm a 19 year old female. During sex (on the last day of my period) the condom broke. Stupidly I thought I'd be ok and didn't take a plan B. Anyhow, a month later (now) I haven't had my period. Usually I'm pretty regular. This all seems too coincidental. I've taken a few pregnancy tests and all come back negative. I've taken them before my missed period and during when it should be. I plan to take one today or tomorrow which means it will be after my missed period. I don't seems to have any other early pregnancy symptoms, although I am very bloated but I havent been eating great anyway.

I'm still nervous because my periods a week late and neither I nor the potential father can afford a child. Where can I get a HGC test discreetly? How much are they after insurance? Am I freaking out?