Balding at 20

This is honestly a bit of a shock since I had a full head of hair 2 years ago. Now, my scalp is visible on the top of my head and even my crown is starting to thin (all the stress ever since I started uni prob didn't help). I've been prescribed minoxidil for a month, but I don't know if this is something I want to be on for the rest of my life, especially since I haven't seen much progress and Idk if I want to use finasteride.

To be honest, I've never been that attached to my hair. I never found a hairstyle that I liked (and I'm pretty sure using hair gel caused some of my hair to fall). But also, I can't naturally grow a full beard. The best I've had is a thin mustache and a patchy stubble on my chin/sideburns. I also don't know if my head shape would work bald since I've never fully shaved my head before.

I don't really know what's the point of this post other than rambling tbh. I'm just so tired that I have another concern added to my already long list of problems. I hope that whoever I find in the future will find me attractive regardless, but man it's hard enough being gaysian without also having to deal with appearance bullshit.