Do You Have Too Much Debt?

Wondering if you have too much debt? Looking into your debt-to-income ratio can help answer your question. Add up your monthly debt obligations (things like auto loans, housing payments and credit card bills) and divide it by your monthly gross income Debt loads in excess of 36% DTI can be difficult to pay off and can make accessing credit more challenging.

If you can't keep up with payments, or you're facing stress or sleepless nights, then it's likely time to make a plan to pay off your debt or look into debt relief.

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