Firstly you're not NW2, it can be hard to tell but you may be diffusing, not sure. I've seen guys still in their late 20's and kept the same hair you have from the same age, the hairline just looks kindof "tough" but it may not be thinning out. There's maybe a gap right into the temple point of your hairline which would be a definite indicator if you were a 16, but at 20 I think you may be OK.
See if a doctor will prescribe stuff for free, I don't even know how it works because I'm too embarrassed to go to a doctor about it (as I know my doctor personally as well) but I think others on here have been prescribed finasteride for free, regaine I'm not so sure.
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Oh and by the way I also have Groganics, I like it because it does thicken the hair (only cosmetically, it just gives the illusion of thicker hair), and unlike most reviews I actually quite like the smell too and it's initially strong but dab your hair with a towel and after a few minutes it not noticeable.
But I know it probably doesn't do anything, it's probably more of a placebo than anything- and don't underestimate placebo's, there's been male pattern baldness tests done on people comparing a real product with those taking placebo's, and even though it was a small amount the placebo group always have some who maintain their hair. Could be meaningless though, it's hard to tell over only a year if people keep their hair anyway.
