Hey there!
The answer is 6:54
The time on the clock shows 6:20, because the hour hand is after the 6, and the minute hand is on the 4 (which we multiply by 5 to get the minutes).
If it takes her 8 minutes to walk to the bus, 10 to pack lunch, and 16 to get dressed, that's a total of 8 + 10 + 16 minutes, or 34 minutes.
So, we add that to the minutes, so 20 + 34 = 54, therefore the time is 6:54 when she arrives.
Have a terrificly amazing day! :)