I am a healthy 21 year old female. When my hair falls out, each strand has a white coating *surrounding* the white bulb. This ‘coating’ is usually white, also (sometimes it’s off-yellow). It’s a hard substance. You can scrape it off, and then you’ll see the normal white bulb.
Please help! What is this and what can be done? I am afraid it is causing hairloss.

The white coating is likely sebum, and this is normal. It isn’t causing hair loss. It is a regular part of hair anatomy that acts as the body’s own conditioner, of sorts.
