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

estate related costs.

New mtge. interest and principal $-$ $$4000$

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? $(10$ pts $)$