Help with hair loss

Hello! I've been visiting some forums and I thought of asking for your help here...
I'm 22 years old. At age 16 I started noticing some recession in the temples but (after obsessing for some time) I ignored it.
My father and brother have great hair, although also have some temple recession. By my father side everyone had good hair although they also have temple recession. By my mother's side I have a bald uncle and my grandfather was also bald.

I've been worrying a little more since september 2012. I went to the dermatologist who told me I had fine hair and "seborreic dermatitis". She told me to use cetaconazol shampoo and nothing else. However, 2 months ago I went through a rough break up and started noticing my hair loss even more. Plus, it's not the thick hair I notice falling - it's thin hair. 1 month ago I started taking finasteride 1 mg but stopped it now because of sides (I'm trying to test if it was related or not at all) and because of the costs.

So I'm asking your help to see what NW I'm in and if it's a normal receeding hairline or severe MPB? Do you think it will progress much more? I'm posting pictures from today, I can post some older ones...
I don't mind being bald in 10 years because I'd do an hair transplant or shave it... but right now I'm still studying so I have no money. Plus I would like to stop the fin but I don't know...

So any help is welcome and sorry for my imperfect english!