20 Years old and a sign of balding?

[Takion]

Hey Everyone! I thought I'd come and ask for your opinions on whether or not I'm balding, here are few facts:

1) My father is bald and the uncle from my moms side is as well, however, besides those two, everyone in my family has a full head of hair

2) I went to a hair specialist, she didnt do any examination but she said I was still having baby hair. However, I felt she didnt examine my crown as much

3) Ever since I started growing my hair, a decent amount falls off in the shower

4) I do live a healthy life style, im curious as too how important is sleep? Because schools takes a toll on my sleep

Here are the images
http://imgur.com/7clnx,qxoCS,ccd9S,q...Gf,Z6dbw,qKJbH
http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#2
http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#4
A closer look:
http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#5

http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#6

http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#7

and one with flash on:
http://imgur.com/7clnx,qxoCS,ccd9S,q...,Z6dbw,qKJbH#8

Thank you so much for reading and taking the time too help me out! Any help is appreciated!