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Your format string, as it stands, creates a 15 character left justified column(type string); a 20 character right justified column (type string); then another 20 character right justified column...

Alright, that clears some things up. That isn't quite the correct way to use printf()'s formatting capabilities. The basic syntax would be:
System.out.printf("format string", data1, data2,...

Did you happen to look at any documenation before trying to use printf? It isn't used exactly like the other print commands so System.out.printf(t[i]+n[i]+s[i]) would definitely not give you what you...

Look into System.out.prinf().