Elizabeth has a gross monthly income of $5,000. Her take-home pay is $3,500/month. She has student loan payments of $200/month, auto loan payments of $500/month, and a house loan payment of $1,200/month. She also has property taxes and homeowners insurance premium payments of $300/month. Elizabeths Debt Payment/Income ratio is:

A. 44% which is higher than recommended
B. 38% which is at the upper end of the safe range
C. 63% which is too high
D. 24% which is very good