The regional job would provide more quality experience as a pilot, but the $35K job is more of an administrative position with a little flying on the side. Not quite what I spent 4 years training to do.
If your end goal is to fly take the one that puts you in the air. I left OU Aviation after a little more that 200 Hours so I could take a job as a Systems Admin. I probably do make more than I would have flying unless I had been picked up by a major carrier but I have regretted that decision almost every day since. What's even more ironic is for a couple of years my office at EDS/HP overlooked the runways in Tulsa. That hurt!
The job that pays 20K could really be considered continuing education you get paid a little to do. You will jump somewhere bigger from there. I don't know the details or your family dynamics but you will ultimately have to decide on your own what kind of seat you wish to occupy. Good luck.