19. Jim makes 5,500 dollars a month. After taxes, social security. and his IRA contribution. his net income is 4,586 dollars a month. Jim has an automobile loan of 450 dollars, a second automobile loan of 275 dollars, a VISA payment of 100 dollars a month, and a Discover payment of 40 dollars a month. What is the Debt Payment to Income Ratio percentage? Is Jim's debt payments-to-income ratio acceptable? Use the debt payment to income guide for this