Proscar is cheaper than Propecia and it has the same active ingredient. Proscar comes in 5mg tablets so you can buy a pill cutter and divide the tablets into fourths. Take 1/4 pill per day (1.25mg proscar). Also you can skip a day or two per week usually. You will pay less than half the price of propecia this way. Try this for a year.
Buy generic minoxidil (not rogain) if money is an issue. I do this. If it irritates the skin use Nizoral shampoo (1 or 2%) twice a week. Actually use Nizoral regardless. It is good for your hair. I think Forhair recommends Selson Blue aswell.
Consult with your doctor about meds to be safe. Or you can meet Dr. Cole at a seminar.
If you are trying to restore your hair, medications will save alot of money! They will not waste it!!! I cannot emphasize this enough. Meds are mind blowingly cost effective especially if you are losing hair rapidly at a young age. By avoiding meds and doing hair transplants at your age you will most likely have less hair in a year than if you avoided hair transplants and took only medication. So with meds expect to get a better result at 1/10th or 1/20th the cost in a year. If you are not a good candidate at the moment, you can save your money. Remember $5,000 invested today might be worth 10,000 in five years if you make good investments. That's money you don't have to earn for your hair when you are ready for FIT.
Btw, maintaining your hair with meds will make you a better candidate over all as you can stabilize your loss and show your doctor that your are mature, serious about your hair, and ready for surgery.
Although you are losing your hair you still have a defined hairline. So keep it.
If you are one of the "unlucky ones", there are other options to try so keep us posted on your progress.
Notice: I am not a doctor. My opinions are not necessarily those of Dr Cole. My advice is not medical advice.