Missed Periods

I am 21 years old.The first day of my last period was September 26th, 2006. I have not had a period in two months and I have taken numerous pregnancy tests that have all shown negative results. About two years ago i was also diagnosed with HPV. I was treated with cryothearapy and my doctor told me that it had cleared up nicely and my cervix was back to normal all though i should have a PAP smear every 6 months to be sure. Shortly after my diagnosis and treatment I was layed off at my job and i have not had health insurance since then and money is tight. now I have missed Two periods, my pregnancy tests are all negative and i have noticed a lump in my abdomen. this lump doesnt hurt but at times can be uncomfortable. It is not always in the same location. sometimes it feels like it is in my lower abdomen and other times it is all the way up near my ribs. At first i thought that i might be constipated so itook some laxatives and the lump is still there. It seems to be a little larger than the first time i noticed it which just so happened to be around the same time my periods became irregular and is even more noticeable now that i havent had a period in two months. i am tired all the time, i have lost a few pounds and yet my stomach still looks bloated at times because of the lump. This is all starting to concern me and make me even more stressed out that there might be something seriously wrong with me yet i dont have the money to go to the doctor. I just need to know if I am worrying myself over nothing.