If Gina owes $5,443.64 in rent and the apartment complex says they will forgive 20% of the balance. They then said they are willing to settle Gina’s account for 80% of the Total Due stated above which equals $4,354.91. How much does she still need to owe?

If the apartment complex is willing to settle Gina's account for 80% of the total due, then the remaining amount she still needs to owe is 100% - 80% = 20%.

The remaining amount she still needs to owe is $4,354.91 x 20/100 = $870.98. Answer: \boxed{870.98}.