The first thing I would like to let you know is that there are doctors out there that do not require a referral letter from a doctor or a therapist, I forgot what they call these doctors, but what it is is they will prescribe the hormones to you without you worrying about the risks (they do not worry if you have a therapist to talk to for example). I did not go through a doctor like this, I have just heard of it, and I could be all wrong, the only thing I am sure of is there are doctors that will prescribe hormones with no referral letter, and that they are far and few between, but are around... I still recommend going to an endo though.
I have been wanting to start hormones since 12 years old, I am now 24 years old and am finally (hopefully...) starting hormones this week! I have seen my endo and he has done blood work and will hopefully be getting that back soon! But I was on a 4 month waiting list with him... I have seen many people (no friends) go through transition, and have been so depressed that I couldn't! So I know how you feel! I do not know why you have to be secret about all this, but just to let you know that after I became full time (before even starting hormones), I have not been so depressed when I see someone transition ahead of me, so being who you really want to be really does help take off a lot of stress and depression!
And the last thing I would like to add is, if you are scared to come out to friends/family/strangers, do not be! If you feel it would endanger your life, then I encourage you to not come out! Never endanger yourself! But if you are just scared or worried about how people will react, the majority of people nowadays see it as "somewhat" normal, and they are usually supportive of transgenders. I will say there are some of those crazy oddballs that just think it is wrong, and you should not even interact with those types of people! Strangers generally ignore you, some even compliment you (I know! Crazy huh! Someone you have never met before will come up and compliment your bravery! Awesome huh!), and the people that have to give there lousy 2 cents worth, well you just ignore them.
I hope that helps a little! Just know that the beginning is the hardest and most stressful! After you come out to the first major person, the second one is a breeze, and the third and forth are even easier, after that it just becomes regular and you do not even realize you are coming out to someone anymore because it is so easy. After that you just have to start seeing a therapist, which helps release like, a ton more stress and worry! And then once you start hormones you should be pretty much stress and worry free... as my therapist says, you will finally have the right hormones in your body, so you ARE NOW the gender you want to be! Even if you notice 0 change yet, once you have those hormones in you, you are no longer the gender you were born.
I ramble on... I know, I'm sorry... I hope I helped!
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