So i am pretty new here and after some thinking and analyzing i came to the conclusion that i could very likely actually be a woman, i had thoughts about it before but i always suppressed them with some excuses. I do intend to be 100% sure about it(97.5% sure about it now) through some gender therapy but because i am pretty certain i am worried about how I should schedule my life and transition.
I ll be 22 this may, study in the maritime academy in Greece(couldnt have i been born to a more progressive place???Horrible luck) and i have to schedule everything so i can organize it in my mind, i am a very practical person.
So I would like to ask a few things in order to see what i can do.
First of all currently i am not able to do anything major cause I spend the majority on my money from my previous sea phase(working as deck cadet required in order to complete the academy) in entertainment, electronics etc since i said statistically it is highly unlikely that something could happen that requires me to keep some extra money.(SUPRISE! you are trans, you didnt expect that, did you?

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Anyway so from now till July i ll be studying, from July till February 2015 i ll be working on board a vessel so i cant do much there either.
Now after that i have almost 1,5-2 years of studying before graduation which in that period i could start gender therapy, get hormone approval and start HrT which bring me to my first serious questions.
(1)How fast boobs grow on HrT? And are they easily concealable? I am a pretty proud person and would refuse to go around looking like a man in a dress and humiliate myself like this, and since I am in Greece and in a Maritime academy for that matter you cant expect many open minded people there. What if i kept a tiny beard/mustache before i start HrT in order to go stealth(In case the effects of HrT are very big on my face? (2)Are they very big?)
(3)How big could the changes of HrT be on me after 2 years? Do the changes differ vastly from person to person aka HaHa genetics do whatever they please.
Now let's say there are two scenarios, either I pass or I dont.(Keep pretending to be a man, in both cases i would still wear mostly male clothing because i am not a big fan of dresses or over exposing clothes, trousers and flannels ftw

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Not passing would be a good thing since i could possibly spend another extra year collecting the necessary money for all the necessary surgeries later on. (4)What is the cost of the major of all major surgeries(FFS,SRS,VOICE, Anything else??)? And I assume FFS and voice will be the most important ones when you are looking to pass 100% as female.
Now if I pass I would definitely need to focus on my voice since i doubt i ll have enough for the surgery. (5)How exactly do the exercises work? Are they a pain in the butt to do? Do you always have to be concentrated in order not to slip up?
And then i arrive at the final part, the paperwork which usually is 10 times worse in Greece than any other civilized country.(6) In your country, what is the usual process of changing your diploma or certificates so they will have your new name?? Do they give you new diplomas with a new name or do you need to always have with you a paper saying that you changed your name in order to prove that is you?
After both cases i could possibly go on living full-time(as long as i pass that is) and start searching for possibly a new maritime company. Good thing that this type of work is international and i am not limited to only Greek companies.
(7)Based on some research i think i could have the "Klinefelter Syndrome XXY" since some descriptions and images describe my body pretty well, is that a bad or a good thing in my case??
thanks.