Looking at the code, I see the base rep for access to cloning is 18,000. However, there's a modifier based on either the PC's "medicine" or "hacker" skill, whichever is more favorable. From my reading of the code, though (the "upgradeMultiplier" function in utilsSlave.js should be where this is determined), if you've got a 0 in both skill, the multiplier should be 1, making the final requirement 18,000. The only way to push that above 20K is to have skill less than or equal to -25. Before now, it never occurred to me that a negative skill was possible, and AFAIK they all start at 0 by default, with one of them at 100 based on the PC's background--but the code in that function has categories all the way down to <= -100, so there must be some way to get negative values.
Could you turn on debugging, click on "Display Variables" in the left sidebar (towards the bottom), and search for "medicine"? You should find a block that looks something like this:
OK, finally found the code where it assigns initial PC skill values, and yes, weirdly, you can get values of less than 0. It looks like that was a kludge added to represent the skills deficits of younger arcology owners relative to older ones. Basically, you need to figure out which skill is higher right now, medicine or hacking, and pay someone to teach you that (in the Personal Attention menu) until it's over -25.
Note that the problem only occurs if the PC is under 22 and you haven't disabled age-based career penalties.