It is so easy to compare "my life" to "their life" and look at what "they have" and not what "I have". I hope that this isn't a complicated answer.
Don't stop looking for friends. Who knows, maybe one of your friends think exactly the same as you? Finances do matter no matter what everyone else says - but it is a material need. A vital need is to feel that we're loved. You need to take the time and look at yourself and think "THIS is what is good about me".
I'm sure you are good at something. Find out what it is. The love of our life, that one perfect human being, is a girl who shares a few commons with you.
You can't find that perfect relationship if you don't go out and look for it. I don't know how much hair you're loosing and if it is on any kind of embarrasing grade, but loosing hair is normal. There are a lot of age-related changes that starts happening when we're getting older.
One thing that helped me - and my brother too - was to start nursing creativity. For me it was writing and photographing. For my brother it was webdesign and Visual Basic. Maybe you have one of those great hobbies that lets you be creative?
Otherwise, I think I can say that please be patient with love. While your testosterone builds up of physical inactivity, you would absolutely get testosterone and endorphines balanced with exercise. Don't wait until tomorrow. Start exercising today. With exercise, you don't only build muscles. You build YOU, your personality, your self esteem!
Maybe you can find some help in the related expert forum "Self Improvement Coaching" too? There is a whole lot of information about how to find more self esteem there. Depression has a nasty habit of taking our self confidence away...