It really depends on the cause of your hair loss. To determine the cause of your hair loss, you'll want to see a hair specialist. The vast majority of 20 year old women are not candidates for a hair transplant. Of course, there are situations where it's possible including traction alopecia and hairline lowering. I would estimate that for every 50 women aged 20 that I see, probably 1 is a good candidate for a hair transplant. The remainder have a form of hair loss that is better treated with non surgical therapies at the present time. But get an expert opinion by reviewing all your details and photos with a specialist.
If you have a high hairline that makes your forehead looks longer, a hair transplant can be indicated at this age. If the problem is thinning hair, on top of the scalp, than it's better to have a complete evaluation and diagnosis of you hairloss cause(s) and initiate a medical therapy to see the results before think about a surgical procedure. Look for a dermatologist dedicated to hair treatment.