Joseph lives in an apartment and pays $$1,200$ in rent and $$150$ in utilities. He has $$12,000$ in his savings account, a car valued at $$7,500,$ and $$3,216$ in credit card debt. He has $$15,000$ in student loans, yet to be paid.

What is the debt ratio?

$122\%$

$45\%$

$100\%$

$99\%$