If Ginny took out a loan for 21,000 in 8/2011 at 6.5% and wants to pay off in 9/2013, and has been making monthly payments of $239.00 how much will she be charged to pay it all? Please help. Thanks

In short, you want to know the outstanding balance after making 24 payments.

rate = .065/12 = .00541666...

Value of her $21,000 if she had made no payments:
= 21000(1.00541666..)^24 = 23907.00

Amount of 24 payments of 239
= 239( 1.005416666..^24 - 1)/.005416666..
= 6107.91

so the balance = 23907.00 - 6107.91 = $17,799.10