Madeline Rollins is trying to decide whether she can afford a loan she needs in order to go to chiropractic school. Right now, Madeline is living at home and works in a shoe store, earning a gross income of $1,240 per month. Her employer deducts a total of $310 for taxes from her monthly pay. Madeline also pays $185 on several credit card debts each month. The loan she needs for chiropractic school will cost an additional $280 per month. Calculate her debt payments-to-income ratio with and without the college loan. (Remember the 20 percent rule.) (Enter your answers as a percent rounded to 2 decimal places.)