Yes, unwell, that is exactly what it looks like. It's sort of oily and scaley and if you pick it off, it can be red and sore under it. Usually people get it on their eyebrows, sides of their nose, behind and in their ears. Dandruff is seborrheic dermatitis of the scalp. Cradle cap, that infants get is also seborrheic dermatitis. That's why dandruff shampoos work.
No one really knows how you get it or how to cure it. Sometimes it's hereditary. Some feel it's a type of fungal infection of the skin.
I've used the hydrocortisone for over 5 years now with no signs of trouble. Not saying it's never trouble, just that it hasn't personally caused me any trouble. Like I said, you can try the different dandruff shampoos as they can also work.
Sun is almost always more harmful to your skin that helpful. Not only because of cancer but also, Jeff, you're only 21. I know that 40 seems a long way off but if you use sunscreen now and stay out of the sun you could look 30 when you're 40. I'm 43 and believe me, if I could live life over, I'd have worn sunscreen every single day of the year.
Try the nizoral shampoo Jeff. It will probably help a lot. Good luck