How bad is it? 19 years old

[tdc66]

Hi,
I'm new to this forum so let me introduce myself.
I am 19 years old, and first noticed my hair loss a year and a half ago.

At first I thought I was losing hair on my vortex, but part of me still thinks that because I've had it for quite some time, it may still be a cowlick. I also have balding in my family; both my dad who lost his hair in his 30's and my maternal grandad, who started losing it in his mid 20's (though my dad's brothers still have full heads of hair...)

Anyway, my hairline has definitely gotten worse, to the point where I'm seriously considering taking generic finasteride - I don't have much money so can't afford the big three or normal propecia.

How bad is it? Am I norwood 1.5, 2 or worse? Could starting treatment now keep my hair for at least another 5 years?

http://imgur.com/a/wkEnL

Thanks

edit: I have a big forehead.