Male Baldness Info

it all started about 6 months i go im a 19 year old male. I use to have long thick black hair and out of no were my hair started falling out from the top of my scalp only ,every time i would shower , even if i just touched it it would fall out. my scalp hurts and itchy i don’t know why this happen no one is balled in my family both my mom and dads family never shewed a trace of baldness. i wore hats alot can that stop hair growth and also i had been stressed over financial reasons could that had been it? if you can help out i would really appreciate it i dont want to be 20 and balled!

I’m sure you’ve all seen plenty of these questions here on Yahoo, and well, i’m willing to bet this one’s a little different. You see, my life, since the age of 15, has consisted of nothing but hardships, one after another, as if god himself is trying to smite me. I’ll save the life story and i’ll just let you know a little about what i’m going through right now…
I dropped out of highschool because of social anxiety. Before you go calling me a loser or lazy, imagine walking onto a stage, in your underwear. You know that feeling of humiliation? Well try going through that every day you are around people. There were also a lot of other factors that played into this decision.
Alright, I thought. I can handle this, I can still succeed. I proceeded to get a job and work on getting my GED. Well, my boss had me on midnights immediately and this has messed me up in the head quite a bit. Three months later I find myself still trying to be able to wake up at a decent time, but to no avail…I still wake up at 3 pm every day feeling like crap, and on top of it, my family hates me for lying around.
I’m 19 now, and i’m going bald. That’s right, my good looks are being stolen from me through male pattern baldness. What makes it worse, though is that I think there’s a condition that’s causing it, yet I can’t go to the doctor or any type of dermatologist because of the lack of health insurance.
And speaking of health insurance, I have many health conditions at the moment (and I mean MANY) that I can’t even consider getting taken care of because of this.
Now, you may say that we all have our assortments of problems, but it seems all the problems I have are just too hard to cope with. I can’t talk to anyone about this because again, no health insurance. I just feel like if there is a god, that he just doesn’t want me to have a chance…
I thank dearly whoever takes the time to read, and answer this. If i’m faced with more of these hardships, i’m likely to give up. A guy can only take so much.