We have to use the equation

Where r = 12 mph, d = 20 miles, let's find t.

She'll take 5/3 hours to get there which is equivalent to 1 2/3 hours.
Let's transform 2/3 hours to minutes to find the exact time she has to leave.
We know that 1 hour is 60 minutes.

So, she will take exactly 1 hour and 40 minutes.
If you have to get there at 10:00 A.M., then she has to leave at 8:20 A.M.