Sherry$$s monthly gross income is $$3,600.$ Her employer withholds $$830$ in federal, state, and local income taxes and $$380$ in Social Security taxes per month. Sherry contributes $$230$ each month to her IRA. Her monthly credit payments for Visa and MasterCard are $$130$ and $$145,$ respectively. Her monthly payment on an automobile loan is $$310.$

What is Sherry$$s debt payments$-$to$-$income ratio?