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 $$1,080$ per month. Her employer deducts a total of $$230$ for taxes from her monthly pay. Madeline also pays $$145$ on several credit card debts each month. The loan she needs for chiropractic school will cost an additional $$200$ per month.

Calculate her debt payments$-$to$-$income ratio with and without the college loan. $($Remember the $20$ percent rule.