Period over a week late but no other signs... no intercourse

I am making this post because I am not sure what to think of this. My grilfriend and I are not having sex - but we are fooling around. Recently, we were fooling around and it has me scared. I had just finished recieving oral sex, and she moved and laid on top of me to relax for a minute (both naked but she did not come near my penis or the little amount of cum she did not swallow (sorry for the graphic story but it's necessary). She was on top and I was still pretty hard and in a uncomfortable position, so I just reached in and adjusted myself, gettin a small amount of semen on my fingers. I noticed and I wiped my finger off on the bedsheet (not very thuroughly though). We just laid there for a couple minutes, then I started to finger her untill she finished.
Now she is a week and 2 days late for her normally-regular period (though recently her period was mysteriously late for a week). She is not showing any sign of being pregnant (no morning sickness, no fatigue, no enlargement or swelling of the breasts and no spotting).
But one more thing to consider. She had had a high temperature (between 99 and 104) for a week straight before this event, and she has been pretty stressed due to drillteam and line camp.

What do you all think? Is it pregnancy, or just delayed period due to stress? If her period doesn't come by tomorrow, we are getting her a test but we would like to know someone elses viewpoints. Thanks