She told me that she was tested a month ago & was negative
You can test at 6 weeks post exposure and if that test is negative you will need to retest at 3 months to obtain a conclusive negative result.
last time I checked I was healthy & after realizing what we done, I stupidly asked if she was tested & she said she was negative...this is my 2nd time having unprotected sex or any kind...so are you saying I may have something?
If you and your girl friend are healthy, tested for infection earlier, remain 100% mutually committed to each other and did not have any exposure outside this relationship, then you have no reason to worry about. However if any of the above "ifs" is missing, an act of unprotectec sex with someone of unknown status is a risk and enough to warrent a test.
Beside HIV, risks of other STD's are also there in an event of unprotected sex.