Hi Rk,
You sound pretty much like me a few years ago. I started losing my hair around 19/20, with very noticeable recession at the temples from around 22/23. Everyday was a bad hair day and I was too young to have a transplant.
I am now 26 and have, for the past 4 years, been keeping my fringe long to disguise the balding. I've been pretty successful in that most people (even some friends) don't even know I am going bald. Considering how far back the recession has gone, I am pretty happy about that.
However, the problem continues to get worse and I will be having a hair transplant in May which will hopefully restore my hairline. From there, I hope to try to control any future hair loss.
The advice I would give is to try to be patient. Think about growing your hair a little longer if you want to try to cover it up. Some of us, myself included, are just not happy to let it show so I did find it a huge confidence boost to be able to hide it while I waited until I could have a transplant.
I'll hopefully start up my own hair loss blog on here when it comes closer to having my transplant so feel free to keep an eye on that!
Cheers,
Paddy