Raya Mancillas has determined that her net worth is $$50,000,$ excluding her home. She owes $$77,000$ on her mortgage and $$18,000$ on a car loan. What is Raya's debt$-$to$-$equity ratio?

Multiple Choice

$1\mathrm{.}9$

$1\mathrm{.}5$

$4\mathrm{.}3$

$2\mathrm{.}8$

$0\mathrm{.}4$