oceanside444: It’s not just sex ed that failed you, I think any basic biology class seems to have failed you by not covering the reproductive system and the menstrual cycle.
Here is an educational video about the menstrual cycle and the hormones that control it: http://www.youtube.com/watch?v=pNe43KGZTl8
The short answer to your question: there’s almost no risk of fingering or a hand job causing pregnancy.
The longer answer: first watch the above biology video. If you have already done so, you should reaize that the female body prepares for pregnancy montly by building up the endometrial lining. This is done so that a fertilized egg has somewhere to implant in the uterus. In simple terms, the monthly shedding of the endometrial lining (when you get your period), means that an egg was not fertilized, will not be implanting, and therefore the cycle starts all over again.
Logically speaking, it makes no sense to freak out over an early period early because this likely means your mature egg was released a little earlier that month and since it was not fertilized, the endometrial lining has started shedding earlier than it normally would. This is because, if you watched the video you’ll see that an egg must be released and then a corpus luteum is present. In real life, the corpus luteum secretes progesterone for typically a week and a half, and if the egg doesn’t implant in that time period the endometrial lining is shed and the menstrual cycle starts. Therefore, this means the egg was not fertilized in that time period and did not implant.
This is also why, if a woman is pregnant, she will not get her period. In that case, the egg was fertilized and did implant, and a different hormone is sent from the developing embryo to the corpus luteum to tell it to keep secreting progesterone so that the menstrual cycle does not start and the embryo can survive until the placenta starts producing progesterone a couple of months into pregnancy.
Furthermore, your stress levels directly impact certain hormones in your body, namely cortisol which is the primary stress hormone, and may or may not in turn impact your menstrual cycle hormones which of course would lead consequences such as your period being early or late. There’s also normal variation to account for on a montly basis–even the most regular of people have variation in their cycles depending on the month. If you want to read more about how stress can affect the menstrual cycle, I suggest you look that up. It’s a real thing.
Lastly, the thing that you read about that likely freaked you out is about implantation bleeding/spotting, which can be an early sign of pregnancy. However, in the situation you have described there’s no way you’re pregnant and therefore you shouldn’t worry about that. Mid-cycle spotting can be caused by a variety of different reasons and should not necessarily give you reason to worry: https://www.zocdoc.com/answers/8731/does-bleeding-in-the-middle-of-my-cycle-mean-im-pregnant
If, at the end of the day, you’re still stressed, I suggest you get evaluated at your campus health center or your gynecologist’s office. And if you haven’t been to a gynecologist yet, you really should go, even if you haven’t had sex, so that they can do the typical round of evaluations and you can get normal preventative care. You should take care of yourself.
Lastly, you need to get some good sex education at some point. I would recommend this book: http://www.amazon.com/S-E-X-All-You-Need-To-Know-Progressive-Sexuality-Through/dp/1600940102/ref=tmm_pap_title_0?ie=UTF8&qid=1412605252&sr=8-1