Hi Gene Fighter,
I'm in the same boat as you are. I'm 24 and I've been losing my hair since I was 17.
About a year ago I saw a coalition surgeon about an HT, he recommended that I go on the Rogaine foam and Propecia in a year, and see what the results are.
I've had no problems with either product in that, I have been fortunate to not have experienced any of the side-effects. I've filled in some at the vertex of my head, and I believe I've stopped the hair loss.
I took photos prior to using the products and I look A LOT better now, than a year ago.
Give it a shot Gene Fighter, I think it will work out for you.
I hope this was helpful to you Gene Fighter.