if you took all those precautions, and she is saying she is 4 days late, it can be one of the following :
her bio rhythm is fucked up because she had sex for the first time - ( periods do come late every now and then. sometimes they are up to 2 - 3 weeks late)
or
she's been hanging out with another guy and he forgot to wear a jimmy, and is trying to peg you with it
remember, its her body, but its also 18 years of your life that youre going to have to burn.