I answered a VERY similar question as this yesterday:
I think the formula you need is:
For the FIRST card P = 6230
A = P( i (1+i)^n / ((1+i)^n-1) A = monthly payment n = 36 payments i = periodic interest in decimal = 20.4/12=.017
For the SECOND card P = 2960 i = .0234
Substitute into the equation for EACH card then add the results together for her total monthly payment ...
Got it? Need more help?