Back to Assignment Attempts Keep the Highest / 5 3. Debt safety ratio - How much credit can you stand? To maintain financial stability, people should know how much credit they can comfortably tolerate. The debt safety ratio is a computation that defines one's monthly loan repayment burden. It compares loan obligations to income. The formula for the debt safety ratio is: Debt Safety Ratio= Debt Safety Ratio Beth wants to determine her current debt safety ratio. Her monthly take-home pay is $4,500. She compiled the following monthly loan payment information: Type of Loan Payment Auto Amount $630 Student 90 Credit cards 180 House mortgage 1,700 Total $2,600