FPHL, TE, or CTE? (Photo)

This needs an in-person evaluation. I suggest seeing a hair loss expert now to go over your condition and provide you information about your best treatment options. There are great non-invasive options like prp/progesterone which can help with hair regrowth and/or hair transplantation. See an expert. Best, Dr. Emer

The confirmation and differentiation between these two conditions can not be ascertained from the provided information and photos. Please see a dermatologist. A careful examination of the scalp, including use of trichoscopy, along with full review of your medical details, history and blood tests is needed. Features of a patterned loss are likely present here but this requires proper evaluation and to exclude TE. Many women with your story have both.

Stress induces hair loss if you have the genetics for it in men. It is most likely genetic hair loss and best treated with the drug finasteride