Okay so I'm new to the freshwater aquarium hobby but also VERY new to the forum thing so bear with me if I'm doing this wrong.
Here's my story:
My son got a 20 gallon long this past August and proceeded to make every beginner mistake like too many fish, not cleaning it enough or properly. I then knew nothing about aquariums so I just watched in disgust until a disastrous water change in which he removed too much water and didn't treat it properly.
Of course many fish died. At this point on I took over due to my surprising enjoyment of watching these fish and the fact that if it lived under my roof I felt it deserved the best care it could get - I looked everything up online, in books and I annoyed every person at the fish stores with my questions. This tank is now thriving and my fishies are very happy.
So here's part two - for this past xmas my younger son got a 10 gallon tank which was cycled properly and fish are living happily but the water has gotton cloudy (at the 3rd month mark) and I can't clear it. FYI ammonia levels reading 0, Nitrite 0 Nitrate 20, PH 7 I don't think it's an overfeeding issue - I put very little in and they eat it all within 2-4 minutes (twice a day). It may be overstocked which is why I'm currently cycling a 20 gallon for a new home. Population 3 panda corys (still babies 1" and under), 1 pepper cory 1.5, 1 snail ("Gary" I love him he's so much fun to watch!) 3 small pristella tetras and 4 baby Platys( born into tank - mothers died - don't completely know why - had them for about 1 month and they came from big chain pet store already prego) babies are thriving but will be too big for ten gallon in about 1-2 months thus the 20 gallon that is cycling. I'm trying not to be impatient and rush the important cycling in the new 20 gallon but the 10 gallon is so cloudy it's scaring me.
the fish are active and healthy, eating voraciously when I feed them. i've tried extra floss in the filter, not feeding, blocking daylight, even accu clear - nothing seems to work - Is it just that 10 gallons SUCK or am I missing something?!
Everything I've read online or in books talks about frequent water changes yet when I talk to the "experts" at the pet stores they say they have had tanks for decades and that too many water changes are the problem. Am I causing the problem by doing 10-20% water changes weekly? And another thing - which are more reliable for chemical testing - stick or liquid

(store guy says dry stick but I seem to get more reliable from liquid)
Please help - I love my little fishies