Candy, be careful of the 'I can ONLY do it if...' mentality. It leads to unsustainability when you have to get back to normal life.
Stored fat or not, 20kg in a month isnt healthy, and leads to slack flabby skin that doesn't adjust to your body shape.
Everyone wants a quick fix. If I thought I could lose 20kg in a month and sustain it, keep it off, and not look like the saggy baggy elephant at the end, I'd be tempted, but many crash diets and silly ways of losing have finally convinced me that slow and steady wins the race, this weight needs to come off the way it went on - gradually and a little at a time.
But, like I said, it took me many mistakes to learn that and maybe you need to make yours. The expense is incredible though.. I wouldnt go putting yourself in debt or anything for it. Yes - your life is worth it. But you aren't going to drop dead tomorrow if you don't lose all your weight instantly.
Good luck with your weight loss journey. Have a good read of these forums, I dare say you will find an example of every type of person trying to lose weight every type of way here and maybe it will give you some other options to think about.
And as someone else said.. why not try out for the Biggest Loser? Auditions are open now, and at least you wouldnt have to pay for it!
Life is too important to be taken seriously!