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In the American Pie sense of the word, a MILF would rather be the mom of one of the peers of a young man, and consequently she would have to be at least 36 yo in porn.
In the Britney Spears 'MILF in training' sense, a mom of any age could view herself as a MILF but I think the average porn viewer is not looking for 20 yo moms in the MILF category.
In my view, although being somehow limited to suburban middle-class, the Soccer Mom concept seems more suitable for 25-35 yo than MILF. While MILF rather focusses on the age difference, the Soccer Mom concept is less age-based, but rather emphasizing the fact that someone has left behind their days of youthful lack of concern and has entered a life of motherhood responsibilities, in other words having completed the transition from girl to woman.
