20 year old with hair loss on hair line and may also be on crown. No family history of mpb. (Photo)

A doctor needs to examine you first. A doctor may ask you questions pertinent to your hair loss taking a medical history. A doctor may even order blood tests or make measurement such as a bulk test or miniaturization test looking at your hair under a microscope. Afterwards, the doctor may give you a diagnosis and explanation of your hair loss condition offering possible treatment plans which may or may not include surgery.

This still looks like male pattern hair loss and should be evaluated in person.  If it is, there are many options.  Please see a hair loss expert.  Best, Dr. Emer.

What you are experiencing might be maturation of your hairline which happens usually around early 20s.  Maturation of hairline is almost universal in Caucasians and is when your boyish hairline recede to a higher position.  The recession might be more in corners than in front.  However, if you don't have the gene of hair loss it should stop right there.  A hair specialist can tell you whether you are at risk of losing more hair beyound that point or not by doing a microscopic evaluation of scalp.

Without seeing the scalp up close, it's not possible to say with 100 % certainty. Only a limited number of conditions cause both crown and frontal hair loss at the same time - and male pattern baldness is certainly at the top of the list. If you have hair follicle miniaturization in the crown (follicles are skinnier) then the diagnosis is MPB.  Your frontal hairline changes are probably more in keeping with hairline maturation, but yes, the early changes of MPB are possible. If a male has evidence of follicular miniaturization (hairs getting thinner) in defined areas like the crown and in areas well behind the temples (not just the very front temples), and there are no other signs of scarring alopecia or autoimmune conditions, then the diagnosis of MPB is highly likely regardless of a family history or not. 

We usually wait to do surgery for another few years to establish the cause of hair loss and also established hair line.  Meanwhile, you can start using medical regiment to slow down the hair loss.  Besides rogaine and propecia that are FDA approved, some vitaminsshampoos and laser may help.   Even if you decide to do surgery to lower your hair line and fill in the crown area in a few years, it is a good idea to stay on the regiment to control future  hair loss.