Lisa,
Put on some clothes, and try this:
Turn off both breakers.
Pull out your filter and give it a good rinse with the garden hose. Use your neighbor's, they have better water pressure, and they're not home anyway
Put the filter back in, and turn on only the 20 amp breaker.
Run the jets for about ten minutes.
Turn on the 30 amp breaker.
Check the temp in about an hour, and let us know how it is.