There should be an auto-post feature somewhere here that just says to look into the big three and strongly consider the risks of finasteride before using it. I agree, Tracy C can write it. If you ask me, I'd cut the stuff she adds about the laser comb, but if it works for anyone, it's (I suuuppose) worth mentioning.
Here's the skinny, bub: monoxidil (Rogaine) and Nizoral shampoo will help somewhat, but the most effect treatment for hairloss is finasteride. By and large, nothing else works at all, so far as we've found. There are some new treatments on the way, but aside from a few experimentals, they are all a few years out.
Finasteride can **** you up, so some people (like myself) choose to just let nature take it's course for our hair. But honestly, side effects are rare and serious side effects are even more so, so I wouldn't think anyone were stupid for using finasteride despite the risk. For the most part, that's your choice (for now). Either get on finasteride or start coming to terms with hairloss.
Oh, and welcome to the forums!