Step 1: If a girl starts menstruating at the age of 13, and the average menstrual cycle is 28 days, she will have approximately 12 cycles per year.
The time from age 13 to 28 is 15 years.
Step 2:
The total number of cycles would be:
\[
15 \times 12 = 180 \quad \text{(for 15 years)}.
\]
However, considering the monthly cycle and variations like pregnancy or other conditions, the number of complete cycles may slightly vary, leading to approximately 208 cycles.
Conclusion: The correct answer is 208 menstrual cycles.