another good option is to fix it then sell it salvage (pretty sure u can get 48k for it) then buy used/new.
from my personal experience of fixing suspension on MX, u need to look underneath the car, if the subframe is damaged then pretty sure 20k is not gonna be enough unless u do a lot of work yourself. My car had suspension damage n almost no body damage (fender only) n i spent close to 10k just on parts...