If you are a 20-year-old college student, I doubt you can afford to have a family. A man has no business getting married if he can’t support himself and more importantly the rest of his family. (Or at least pay his half of the expenses.)
At 20 with little dating experience, you have not figured out what you are looking for in a woman. Qualities that seem important at 20 will be different at 30. It is part of the maturation process. Maturation is enhanced through dating. People mature through experience.
Dating is like riding a bike. The only way to become good at it is to practice. We are all lousy when we first start dating. 90% of us have at least one dating fiasco that happened when we were young. I do. You don’t want that fiasco to take place when you meet someone who could be Miss Right. Most women appreciate a confident man, and confidence is difficult when you are a nervous wreck. Dating alleviates those nerves so you are more comfortable and your true personality shines through. Also, it is hard to get to know another person when all you are thinking about is not doing something stupid while seeming impressive. Stay off of your cell phone. Avoid bragging, and ask her lots of questions about herself. Yourself is everyone’s favorite topic of discussion when you are young. You don’t need to be impressive. She already thinks enough of you to go on a date with you. Relax and be yourself.
Lowering your standards is the wrong way to think about it. (Don’t ever say that to a woman either.) You may want to start by asking someone you find interesting, friendly and attractive. Don’t worry about looking for a perfect 10, because they are going to say no until you have experience dating. Ask someone that you think you would enjoy spending some time with.
20 is way too young to worry about it. You should be concerned about getting great grades and having life experiences. You have years to get married and have a family. If you turn 40 and have not been married, it may be time to get worried.