I do a lot of sports, on top i work, along to my school work. and i've been stressed about having to pay for college, is this why my period is late?

Late period: If you're not sexually active, or r & use protection, pregnancy is unlikely but can be r/o with home pregnancy test. Many things can affect periods: physical stress, emotional stress, weight gain, weight loss, infection, hormonal imbalance. If not pregnant & periods continue to be irregular, see fp or gyn for possible rx birth control to normalize periods. Use stress management techniques.

Yes.: Unless you are pregnant you are probably right about the stress / work and exercise.