She has to buy both binders and notebooks. So, you have to take into account that she has to have both. The closest you can get to $20 while still getting notebooks, is to buy 4 binders. 4 times 4 equals 16. So, she can get 4 binders and 2 notebooks, because then, 2 times 2 equals 4 and 16 plus 4 equals 20.
80 is a good one to start with.
After that, you can move on to 83, 481, 1687, and 102,974,589 .