Is my hair loss from stress?

i am 20 years old and my temples and hairline have receded very bad. on top of that the top is very thin. i look like i am 55. i think it is from stress because i never had any problems until i went to job corps. i was there for a year and two months. at first my temples receded but it wasnt too noticable. i always found myself looking at my hair in the mirror to the point where i was obsessing about my hair daily. i had headaches every day. thats why i think it is stress related. it wasnt that bad i just had small patches on my temples then it started getting bad real fast. i think i stressed myself out looking at the mirror all the time combined with the fact that i was in job corps which is a stressful environment in itself. i graduated 2 months ago and even now it still doesnt look too much better. there seems to be a few baby hairs growing back but i cant really tell. even after i came back home i was still obsessing in the mirror and feeling on my head all the time. i dont have money for a dermatologist i would have went by now. i think that if i just be patient and stop obsessing and worrying about it maybe my hair will start coming back. does anyone else think that this is the case and if so what else can i do help my hair come back. i really need my hair back i know it could be worse but my hair is really impotant to me