Dude. Calm down and relax. There is hope. I was in the same boat as you when I was 21. Don't let hair dictate the way you live your life. Your 21 and in a few years, you'll be working and making the big paychecks to save for a transplant. Some will say go on the pills, but it won't help on the hairline.
If it still bothers you that much, save your money and plan for FUE procedure. I'm 34 and wish I had done my procedure sooner. But hair transplant technology has gotten better in recent years. Doing my procedure was one of the most fulfilling experiences of my life. And someday, you can experience this too.
So hang in there.