Male Baldness Info

I feel like I’ve failed in life.
Although it was o.k., I didn’t necessarily enjoy my childhood. I was an “only child” who seldom had friends. My father is quite bi-polar, so the friends I had he somehow always managed to drive away through his strange and inappropriate behavior. My mother was basically my best friend, and still is today.
After high school, I went to work for my father, which was a huge mistake. And then, at 18 years old, I was sued for half a million dollars for causing a motor vehicle accident while driving a delivery truck (while I was working for my father) – - the case didn’t go to trial until I was 25. I worried about losing everything every single day, and cried nearly every single week for 7 years. I won in court, because I was not guilty, but I basically lost 7 years of my life.
Now, 8 years past that bogus legal mess that wasn’t even my fault, I’m 33, still no wife, no job (lost that in 2003), and I’ve been going to college full time. But I’m surrounded by young people who don’t accept me because I’m so much older than them. I feel lousy & depressed every day I go to school. And because I have been feeling depressed lately, my grades are beginning to drop significantly. I’m a Spanish major, and I have enough credits to graduate with just a Spanish major degree (without a teaching license), but what good is that worth if I still have trouble speaking the language? And my money is running out, so I don’t know what I’m going to do for a living. I wanted to teach, but I have to pass a state test, which I haven’t been able to do thus far.
So, I’m stuck, and with every day that passes, I feel even more helpless and hopeless. And as I grow older, fewer and fewer people want to have anything to do with me. I feel like a fool. I feel so stupid for having wasted my life on meaningless pursuits. I hate the way I look, and even my hair is falling out, thanks to male pattern baldness.
I’m feeling pretty depressed, needless to say.

okay heres my story
last year, i was misdiagnosised with a disease. at this point, i stressed and contemplated suicide, a body shock occured if u will.
now my hair starts falling out rapidly, i lose density by the 10%’s each month. i went to the dermatologist and he doesnt run any tests, just looks at my hair and says i have male pattern baldness. i know its not just male pattern baldness that is the case, i know stress or something went wrong with my body.
now heres the dilemma, its been a year since the incident, and i am still gradually thinning out. i am to believe that the stressful incident triggered my male pattern baldness.
theres a trichologist in my area that will diagnose my hair for 400$ telling me completely what is wrong with my hair. should it be DHT (causes hairloss) alone, i will get on propecia. should it be something else, they have treatments that can cost about 1000$ in 10 sessions.
should i pan out the 1000$? i really dont want to take propecia