I habe a theory : the more money you spend on your self in a civilised country the more you will enjoy yourself
Have you searched for any available scholarships? Then, the cost is fixed or you can arrange it better if you search more for cheaper/shared accommodation, etc? Maybe if you consider (if possible) to go for a semester instead for a whole year? It's worth it I think.
No. Spend the 20k travelling for a year without school. Live in a new country every three months. You'll learn more and have more fun than with a formal study abrod program.
everyone i know who has done it really thinks so. i think if it's possible you should do it. good luck!