20 year old seeking advice

[Jon1990]

Here's my story.

I'm 20 and a Junior in college. I have always had thin hair my whole life, but my hair was fine (no bald spots, just thin hair) up until I came to college. What a friekin surprise! I feel like I've had my legs kicked out from beneath me.

In high school, I was having the time of my life. I was a successful athlete, made really good grades, got some girls (not a pimp by any means, but I got mine here and there), had a ton of friends, partied, etc.

Since I've gotten to college I've noticed the back right hand side of my head my scalp was showing more than it should, the beginning of the spot I guess....

Now I still am doing everything I did in high school, I just have lost so much confidence in myself. I feel like my hair is holding me back from doing so much. I feel weird when I go back home because I fear I will run into an acquaintance I haven't seen in a couple years and wonder what they will think. Shoot, I even try to sit in the back of classrooms so people will not gaze at my head, sounds pretty paranoid right?

I will NOT shave my head, it is out of the question and I'm not going to be the hat guy.

I'm a decent looking guy, this hair is just killing me though. I was in the denial stage for a little while, but am past that now. I can tell that I'm simply not enjoying life as much as this hair is dominating too much of my thoughts.

I get so damn self conscious about it it drives me crazy. Another thing that drives me crazy is the crazy winds around here will whip my thin hair around so easily that I'll have to go to the bathroom to wet it down to make it look presentable.

The best conclusion I have came up with so far is to go to a doc and see if I can get on Propecia. Does anybody know if that is usually covered by insurance? I'm thinking it won't be, and if its not, I guess I can fork over the cash for it...

Let me know what you all think.

Thanks for your time,
Jon