puberty gyno happens, it sucks so i feel for you
you have 2 options
1. the best option is anti gyno stack.. it won't be fun and expect to have dick issues after slamming estrogen but it is worth a shot
2. get the surgery with a GOOD DOCTOR. that means don't pick the cheapest doctor.. gyno surgery costs between 6-12K and if done right you will never have to worry about it again.. obviously for a 20 year old unless you have rich parents that is a lot of money but it is like getting your wisdom teeth taken out.. it is something some of us have to do