I started balding about the same time, around age 20. Balding is the dominant gene. When I balded it sort of bothered me, I'd wear baseball caps, and such, but then I realized about a year later that it wasn't that big of a deal. I stopped hiding it or caring.
When I hit around 27 I just started shaving it and to be honest, alot of women actually like the bald look. I dated one chick who told me to grow my hair out, but she was one of those flakey girls who hooked up random guys at the bar, and not my type. I even get gals hitting on me at work just because I'm bald. They will say "Oh, I love bald heads" and they giggle like school girls. Two of them even interrupted a meeting I was having with another bald guy just to tell us how much they liked bald heads.
My suggestion, take what God gave you (if you believe in such a thing) and don't be ashamed. Nobody is perfect, and as long as you feel good about it and not be embassed about it, then its likely nobody else will either!
There's even times when my hair grows back slightly (new hairs where it has normally went away.) I think I notice it most when I sweat alot and eat better, like when I'd eat sandwhiches for days straight and work on the house all weekend and sweat alot. Thats the only advice I can give you.
I did work with another guy who had his hair go and he used propecia or whatever and it seemed to work ok with him. He didn't grow much back but he stopped losing it.