You have to talk it over with someone who knows you personally. Some people are ready at 20, some are never ready. Family and parents are another factor to consider.
If you don’t have a rav or rosh yeshiva you can talk with, call NEFESH and get a professional. Marriage is the most important decision you’ll make in your life. And the problem is that if you decide wrong, it’s not just your own life you’re messing up, it’s also the life of the person you marry and any kids you may have.
Play it safe. Talk to someone who knows you or will get to know you and your situation well. Anonymous advice on the CR isn’t the best way to go about it.