Ruby is trying to decide whether she can afford a loan she needs in order to go to chiropractic school. Right now, Ruby is living at home and works in a shoe store, earning a gross income of $$820$ per month. Her employer deducts a total of $$145$ for taxes from her monthly pay. Ruby also pays $$95$ on several credit card debts each month. The loan she needs for chiropractic school will cost an additional $$120$ per month.

Calculate her debt payments$-$to$-$income ratio with and without the college loan.

Note: Enter your answers as a percent rounded to $2$ decimal places.