The function is
[tex]c(t)=80+0.2t[/tex]
since she pays $80 flat, and then $0.2 for each text message.
This implies that
[tex]c(20)=80+0.2\cdot 20 = 80+4=84[/tex]
[tex]c(t)=100\iff 80+0.2t=100 \iff 0.2t = 20 \iff t=\dfrac{20}{0.2}=100[/tex]
[tex]c(45)=80+0.2\cdot 45 = 80+9=89[/tex]
[tex]c(t)=90\iff 80+0.2t=90\iff 0.2t = 10 \iff t=\dfrac{10}{0.2}=50[/tex]
For the last question, we have to see how many texts it takes to pay $20: we have
[tex]0.2t=20 \iff t=\dfrac{20}{0.2}=100[/tex]
So, if she sends less than 100 texts a month, it is more convenient to pay $0.2 for each text. If the sends more than 100 texts a month, it is more convenient to pay a flat fee of $20 for unlimited messages.