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You have not given whether the interest rate is per annum(per 1 year) or per month. I am taking it to be per annum.

Principal(P) = $19,500
Rate(R) = 13.5%
Time(T) = 316 days =  \frac{316}{365}\ years

Interest =  \frac{PTR}{100} =  \frac{19500*13.5*316}{100*365}=2279.1

Amount\ = Principal\ +\ Interest=19500+2279= \boxed {21779.1}

He has to pay $21779.1 at the end of the loan.
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