Do I need a facelift at 28 or are there other options? Is it all just in my head? I feel my face is dropping (Photo)

I would not suggest a facelift at this point in time. Based on your photos, I would recommend injectables to rejuvenate your face. Botox for the frown line, and fillers in the cheeks, around the mouth, and lips. Those will go a long way to restoring a youthful appearance without any surgery. Visit an experienced injector for a full evaluation. Good luck!

You need volume restoration and are a great candidate for this.  One of the most unrecognized signs of aging is a loss of volume in the face which can be achieved with temporary fillers such as hyaluronic acids, your body's own fat, or long-term to permanent fillers like Bellafil.

While age should not be the primary concern when thinking about getting a facelift, the 20s is typically too young just because it is extremely rare that a 20-something has the necessary skin laxity to warrant a facelift. From your photo, it does not appear as though you would be a good candidate for a full surgical facelift. I recommend visiting a board certified facial plastic surgeon for an in-person consultation to evaluate your concerns and see if there are other, less invasive options available that may help you to look and feel more youthful.  Some treatments to consider would be facial filler, Botox and a good skincare regime.
I hope this helps!