Maturing hairline or MPB?

[Davidvilla7007]

I am 20 years old.My father is bald.But he had curly hair and my hair resembles my mother's straight/wavy type. I don't lose hair in large numbers ...but since the past 2-3 years my hairline has receded quite a bit. I would want to know whether this is a maturing hairline or is it MPB? If it is a maturing hairline ...how much more could the hairline recede.