What is the debt-to-income ratio? ITEM DESCRIPTION Employment wages Interest eamed Dividends eamed Mortgage payments Auto loan payments Student loan payments Taxes Utilities Personal savings Gas Groceries Entertainment Charitable donations Clothing Travel $115,000 $950 $1,200 $38,600 $3,300 $9,000 $31,050 $3,600 $12,000 $3,500 $7,200 $6,000 $500 $1,500 $1,000 O 39.41%. 43.45%. 46.52% O 53,69%