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Debt to income ratio (DTI) is a key indicator of your true financial picture. It indicates that amount of a person’s income which he spends for repayment of debt. Calculating Debt-Income Ratio is one way by which a lender determines how much additional debt you can handle, based on your current income and liabilities. It is a simple arithmetical ratio between your gross monthly income (before taxes) and your monthly debt payments.

* Few lenders do not consider the mortgage payment and rent in order to consider debt payment for the purpose of debt to income ratio.

For example,
someone with a gross monthly income (including salary and all other income)
is $2,500 and making minimum payments is $750 per month on debt (loans and credit cards)
has 30 percent ($750 / $2500 = 0.30) debt income ratio.

Our debt consolidation Program tries to manage and pay off your debt faster.
The faster your debt decreases, your debt to income Ratio will come down and
accordingly your credit score will also improve.