I figure I'd add in my two cents, considering I'm in largely the same boat as the OP.
First, I'm a recently-turned-20 college student who has been (looking retrospectively) experiencing hair loss for about 2-3 years. At first I thought I had ruined my hair with overusing hair products, then the scalp started to peek and I realized I was wrong.
Second, I've been on finasteride for more than a year, first generic online-pharmacy stuff and then the actual "American-made" (as Dr. Dorin said) GlaxoSK propecia for the last 5-6 months. I completely realize that just because nothing extra is growing that it doesn't mean it's not working, etc. Unfortunately, despite the fin and the rogaine, which I've also been on religiously for the last 5-6 months, the bald spot is getting bigger and the top thinner.
Third, I visited Dr. Dorin about 6 months ago and he said that there was definitely loss and I was most likely an early 5v pattern but with a slight chance of a 6, with somewhat average/slightly sparse hair density, medium texture, with a fair to good donor availability on side and back.
So the crux of the matter is: should I get a HT?
See, the reason why advice like that given by kaounis isn't the most helpful is that I feel that I'd be ok with my current level of hairloss/possible progression if I was in my 40's or later. Hell, even mid thirties. The problem is that now, in the supposed best time of my life, at a place where you're supposed to party and have fun, I find myself unwilling to even leave my room for food. Like, I know that a HT at such a young age could leave you in worse shape in the long run, but it's almost like I feel like greater priority should be given to the 5-10 years of supposed relative irresponsibility when balding is COMPLETE social leprosy as opposed to 30 and beyond where it starts to become exponentially more acceptable.
I used to be so outgoing and amiable, and now I can barely leave my dormroom. I don't know how long I can take dreading going to sleep every night knowing that when I wake up the top will be a little thinner and that the crown will be a little more bare. That I'll avoid the people and places that are important to me. That there's no hope.