We can split this all up into different parts then put it together at the end to make things easier.
Firstly, she makes those 18 monthly payments, so 93.27*18= $1678.86
Then, each one of those has a 3.85 surcharge for each one, so 3.85*18= $69.30
Finally, she has 9 lots of late fees, so 9*41.50 = $373.50
Now we can just add these together to get the total cost - 1678.86+69.30+373.50 = $2121.66