Guys, am I going bald? Just turned 24...

[kuki]

So I had a dandruff for a couple of month or so, which I didn't treat. Scalp was very itchy. And that's when I noticed that my hair are thinning. Or I thought so. In fact I never paid attention to my crown or hairline, but when I did I didn't like what I saw. A few weeks ago I went to a doctor and he prescribed me a shampoo with ketoconazole. The dandruff is gone by now, the scalp is no more itchy.
My dad started balding when he was 21 or so. My mothers father isn't bald even now (he's 78). I've read that in 75% of cases the genes responsible for alopecia are inherited from your mother's side. I look a lot like my mom (her facial features). Can you tell me what's really going on? If I'm loosing hair - please tell me, because I don't want to hear it from someone at my studies... In that case I do lose hair, please, don't tell me to stay away from this forum for at least half a year or that it 'looks normal to you'. My mom says I'm balding, but she's pretty much of a troll, so I don't know if I can trust her on this one. One of my friends told me it's fine and the other one that I'm balding. Sorry for too much letters, it's just that I'm going crazy lately. If it's a hairloss should I start using minoxidil? I'd like to avoid it if possible... Thanks!