Answer: 39 minutes.
Explanation:
You can solve this in two different ways:
(1) You subtract the flat fee from the final charge to get how much was spent in additional fees and then do a rule of three:

$0.05 --------- 1 minute
$1.95 ---------- x

(2) You can raise an equation that represents the situation:

where "y" is the total charge for the call and "x" is the number of minutes that you talk.
In this case, the total charge for the call is $5.10 and the unknown variable is the number of minutes, so you have to isolate the x:
