Leedanatural, Everyone is going to tell you to try meds and if you experience any side effects lower the dose until there are none.
I understand, I was in the same boat as you. I had saved my money for a whole year before I could get a HT and people made fun of me too, even customers on a daily basis. If people are making fun of you they are not your friends anyways, be strong and don't worry about what they think. Keep improving yourself, whether it be at the gym or going school.
If you stay at this stage of hair loss and still feel you need a HT in the future. I would recommend FUE. You are still young DO NOT let MPB stop you from living your life!!!