I start college next fall, so stress is very evident in my life. Other factors: I take birth control pills, there might be some underlying black mold issues in my new apartment, and I used to take antidepressants.
You have many reasons to have hair loss. Start with your family history since it may be genetic. See a good doctor to get a proper diagnosis. The various factors you mentioned all contribute to hair loss, and for women, it is even more complex. Get out of that apartment and find another one since black mold is deadly for hair and is not good for your health.