You've collected the following information about St. Pierre, Inc.:

Sales = $195,000

Net income = $17,500

Dividends = $9,300

Total debt = $86,000

Total equity = $58,000

What is the sustainable growth rate for St. Pierre, Inc.? If it does grow at this rate, how much new borrowing will take place in the coming year, assuming a constant debt-equity ratio? What growth rate could be supported with no outside financing at all?