Bella made 7 payments of $5 each. So, total payment made by her was . As such, Bella had $35 initially. She played all games and received $20 back. This means that she lost $ 15 that is $35 - $20 = $15, in the game.
Therefore, she now has $15 less than the amount of $35 that she had initially. So, $15 is the the change to the amount she has now.