Philip earns $$6,500$ a month working for the family business. Each month, he pays $$4,000$ toward credit card payments, a mortgage, and student loar debt. He spends $$1,500$ monthly on living expenses and saves the remaining amount.

What is Philip's savings ratio rounded to the nearest percent?

a$.)10\%$

b$.)15\%$

c$.)22\%$

d$.)5\%$