Kim Lee is trying to decide whether she can afford a loan she needs in order to go to chiropractic school. Right now Kim is living at home and works in a shoe store, earning a gross income of $1,810 per month. Her employer deducts a total of $199 for taxes from her monthly pay. Kim also pays $185 on several credit card debts each month. The loan she needs for chiropractic school will cost an additional $150 per month. Help Kim make her decision by calculating her debt payments-to-Income ratio with and without the college loan. (Remember the 20 percent rule.) (Round your answers to 2 decimal places.) % Debt payments-to-income ratio with college loan Debt payments-to-income ratio without college loan %