Run speedtest and post the results, if I had to guess:
You are paying for up to 20Mbps, you are getting 2.0MBps.
ISPs typically list their speeds as bits, not bytes, whereas places like steam use bytes. One bit is 1/8 of a byte.
So you are paying for up to 20, which if you divide by 8, is 2.5MB, which sounds about right to me.