Answer: we can make 15,504 different math tests
Explanation:
Ok, we have a bank with 20 questions (Q1, Q2........ , Q20)
and we want to make a test with 15 of those 20 questions.
As the order of the questions does not matter in the thest ( is the same if the order is Q1, Q2, ...., Q15 than if the order is Q15, Q14, ....., Q1 )
So we only want the number of combinations.
When we have N elements and we want to create groups of K elements, the total number of combinations is:

Here N = 20 and K = 15

So we can make 15,504 different math tests