I take the 20K without any second thought or hesitation, period.
People are overrating RiRi too much. She's indeed pretty, but I've frequented quite many women of that caliber. She's a 7,4/10 high school alpha looking woman-- lest she used to be, as she looks a little more mature aged now but not in a flaunting way-- that's not because she got overweight, she just ages rather badly (7/10) . Besides, from what I've heard about her antics with Chris Brown and seen on her IG, she can be toxic and hysterical AF: she'll going to claw your balls off while you're driving in full middle of the highroad over a tantrum, or dumps you straight out because you mourn the loss of somebody who happens to be your ex.
Chunky yellow booties and poonamis are everywhere. Investing on a free 20K loan however is an once-in-a-lifetime opportunity.