What formula is being used to determine the "Total Interest Cost Until Payoff" in the example below? We are given the balance, APR, and monthly payment and I need to know how to find the Total Interest Cost Until Payoff.

Balance Owed On Credit Card: 10021 Annual Interest Rate (APR): 24 Monthly Payment You Will Make: 380 Calculate Credit Card Interest Reset Amount of Next Payment Applied to Principal: $179.58 Amount of Next Payment Applied To Interest: $200.42 Total Interest Cost Until Payoff: $4,362.93 Number of Monthly Payments Until Payoff: 38 Total Years Until Payoff: 3.2