Question about Genetics?

All of the other answers so far are quite valid. They point out various factors that all have an influence. The stress is definitely not helping.  

It’s worth noting that one of the genes most associated with male baldness is on the maternal X chromosome. Everyone gets two copies of every chromosome from 1 to 22, women get an extra copy of chromosome 23, but not men. The Y chromosome you get instead from your father means you don’t have a ‘backup’ normal gene if there is a faulty one on the 23rd X which you get from your mother. 

All this to say that the most common cause of genetic baldness is actually passed down the maternal line (from mother to son). So while your father is balding in his fifties, this may well be more to do with the genes you inherited from your mother. Do you have any uncles or a grandfather on your mother’s side with the same issue? If so it points to a predominantly genetic cause. 

Emotional distress and trauma are major reasons for hair to turn gray orcstart tp fall.out. My first gray hair shoerd up about 6 months after my mother died when I eas 31 yrars pld. I had bern a type 1 diabetic for 19 years. Now it is 64.5 years. Probably the only reasons I am not almost totally gray now is I have not married yet, have never been or will be pregnant, and have never had to raise human children ir grandchildren or great grand children. All my children have been feline. cats. Yes my hair has thinned, a lot. My father always had a thin spot. My mother was 1/4 Cherokee. She died relatively early 6 weeks before her 55th birthday. She was totally gray on top..Her hair had not started to thin yet, as is normal with post menopausal women.

Humans who evolved to adapt to a cold climate in Europe tend to have more facial and body hair, because they have higher levels of DHT (Di-hydro-testosterone). DHT is made from testosterone, and it stimulates hair growth. Prolonged exposure to DHT however shrinks hair follicles, and it is the number 1 cause of premature baldness in both men and women.  About 25% of American males suffer from premature baldness. Women who have high levels of DHT also tend to have excessive facial hair and body hair (mostly in the legs). They also tend to have fertility problems as well. About 10% of European women have fertility issues.

Sounds like you have higher levels of DHT than your dad. That is why you began having facial hair at an earlier age and why you have premature baldness. Emotional stress can also cause hair loss, but it is temporary, as the hair follicles are shifted to the resting phase from the growing phase. Once the stress is gone, your hair will start growing again, but the hair loss due to high levels of DHT are permanent.

It may be a combination of both. You certainly are going through stress and trauma.