$)$ Elena is in the $28$ percent tax bracket and has the following real estate and non$-$real estate related costs.

Non Mtge. Interest and Principal $$4,000$

Mortgage Interest $$15,000$

Mortgage Principal $$7,000$

Real Estate Taxes $$8,000$

Homeowner$$s Insurance Expense $$2,000$

Net Salary $$70,000$

Calculate her Total Debt as a percentage of her income. Is it satisfactory?