Okay, here are the steps to solve this problem:
* Maddy buys:
** 5 notebooks at $2.85 each = 5 * $2.85 = $14.25
** 3 pens at $1.79 each = 3 * $1.79 = $5.37
* Total cost = $14.25 + $5.37 = $19.62
* Maddy pays with $20
* Change = $20 - $19.62 = $0.38
Therefore, the change Maddy will receive is $0.38