I can totally relate to your situation! When I was in college I had a couple of pregnancy scares. The first time my period started late but before I had the courage to go out and buy a pregnancy test. The second time I was late enough that I had to buy a test. I felt ashamed and embarrased about buying the test and didn't want anyone to see me buying it. My boyfriend (now husband) and I bought one in the middle of the night at a grocery store. We went back to his dorm room to take the test since I didn't want anyone from my dorm floor to see me take it. Peeing in a cup in his dorm room was one of the most humiliating experiences ever! The test showed negative but I was still worried so I set up an appointment with the school health clinic to find out what was going on. I was so terrified to tell my family if I was pregnant. They had always been so insistent that I wait until marriage for sex and I knew they would be very disappointed and angry. Luckily it turned out that I was not pregnant and I didn't have to face that challenge.
I'm now 28 and have been married for six years. My husband and I are expecting our first child in February. We weren't exactly trying, but we weren't really trying to prevent pregnancy anymore either. My husband gave me a hard time for not wanting to get the test at a store where I had to have someone unlock the cabinet rather than one where I could get one off the shelf. I had nothing to be ashamed of but I was still self conscious of buying a test. I guess that is pretty silly, huh?
I wouldn't stress out too much. I doubt that you are pregnant. I suppose that it is possible that you could be pregnant if he had semen on his fingers when he fingered you, or if he ejaculated outside, but near your vagina. However the chances are probably pretty slim. Wait to see if you are late. If you are, then even though it is embarrasing go out and get a pregnancy test to find out for sure. If you are pregnant your family will probably be upset and disappointed, but I would bet that in the end they will support you. Don't rush out and get an abortion out of fear of telling your family. Everything will be okay. You're not alone. Hang in there.
Kate