Then speed up stream = x-y = (20-y) mph
Distance up=48 miles
therefore Time[1] = 48/(20-y)
Speed downstream = x+y = (20+y)mph
Distance=48miles
Time[2]=48/(20+y)
Total time=5 hours
total time=48(20+y)+48/(20-y)
Hence y=plus or minus 4
Speed of the current in this context cannot be negative,hence
Speed of boat=20 mph
Speed of current=4 mph
Hope this helps,
Prabhat