Kevin Mills has a monthly take home pay of $3,950; he makes payments of $510 a month on his outstanding consumer credit (excluding the mortgage on his home). How would you characterize Kevin's debt burden? Assume that the debt safety ratio below 10% is considered low, below 15%-manageable, and the maximum acceptable debt safety ratio 20% What if his take-home pay was $635 a month and he had monthly credit payments of $1407 Select