I know your pain man, i started losing mine later than you, at 17 years old, but the stress of balding has taken a toll on my mental health. It became an obsession to get my hair back, i spent a lot of money on doctors who did no help, some "hair specialist" even scammed me for $2,500 and i knew it might be a scam but that's how vulnerable i was because i was desperate. I tried Finasteride which did nothing. I tried Dutasteride which did nothing. i tried topical minoxidil which maintained for a while but eventually did nothing. For the first 3 years i was so stressed out that towards the end when i knew none of those meds were working in my body i would go into full blown psychosis where i would feel panicked with anxiety and have many hallucinations where i would feel like i am having a bad acid trip. It sucked me dry of emotions and i can't feel enjoyment in anything at all no matter what it is, people said get out and travel, so i traveled the world and got no enjoyment out of it, and i think balding has altered my personality in a way that i am bitter inside and i also lost my long time girlfriend because of it (i assume). I live in isolation to this day because of it. i don't go outside or talk to anyone unless i have to. i guess it depends from person to person but balding can literally destroy ones life. HRT is the last hope for myself, i said the same, i choose side effects over depression because i don't want to feel like a piece of sh*t anymore.