I figured it out. The documentation I have refers to a datatype of character[20], format x(24). character[x] (where x is a number), is like an array of strings. Format x(24) means each string in the array can be 24 characters long.
Essentially characters[20], format x(24) is a string that is 20 * 24 characters long with each "array element" separated with a semi-colon (;).
If column "options" is defined as character[20], x(24) then to populate it with strings from 1 to 20, one would merely write:
row.options = "1;2;3;4;5;6;7;8;9;10;11;12;13;14;15;16;17;18;19;20";
To populate it with all empty strings write:
row.options = ";;;;;;;;;;;;;;;;;;;";