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Wells Fargo. “Debt-to-Income Ratio Calculator.” Debt-to-Income (DTI) Ratio Calculator, 13 Dec. 2017, www.wellsfargo.com/goals-credit/debt-to-income-calculator/.

Tate, Nick. “Rising Suicide Rates Tied to Financial Struggles.” Newsmax, Newsmax Inc. Newsmax Inc., 27 Feb. 2015, www.newsmax.com/Health/Health-News/suicide-financial-economic-recession/2015/02/27/id/627338/.

Treasury Direct. “REPORTS.” Debt to the Penny (Daily History Search Application), 11 Dec. 2017, www.treasurydirect.gov/NP/debt/current.

Writer, Author Bill Fay Staff. “Debt Demographics – Statistical Breakdown of Consumer Debt in the U.S.” Debt.org, 13 Dec. 2017, www.debt.org/faqs/americans-in-debt/demographics/.

TopConsumerReviews.com. “Debt Relief Programs.” TopConsumerReviews.com, 13 Dec. 2017, www.topconsumerreviews.com/debt-relief-programs/?src=bing.topconsumer&placement=owned&isMobile=&keyword=debt%2Breduction&keywordID=kwd-26453230197%3Aloc-190&matchtype=p&aff_sub=1270725965.

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Debt relief assistance is available throughout the US, and the companies range from the amounts they will work with. Some companies begin at $1,000 while others won’t provide debt relief services until you are $10,000.

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When broken down in race, debt does not favor one over another. Between White, Black, Hispanic, and Asian, the debt percentages are nearly within a few % of each other, ranging from 24-28%. An educated person with a college degree, holds the highest overall debt. 

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When broken down in race, debt does not favor one over another. Between White, Black, Hispanic, and Asian, the debt percentages are nearly within a few % of each other, ranging from 24-28%. An educated person with a college degree, holds the highest overall debt. 

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The current national debt is 20,492,677,740,169.28 as of December 11, 2017 which in includes federal debt. This makes my personal debt look like nothing. 

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The current national debt is 20,492,677,740,169.28 as of December 11, 2017 which in includes federal debt. This makes my personal debt look like nothing. 

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I have an investment of $1,525 in a Certificate of Deposit but compared to the debt I owe of $32,500, that is only 4.69% in assets.

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I have an investment of $1,525 in a Certificate of Deposit but compared to the debt I owe of $32,500, that is only 4.69% in assets.

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Car 17,000
Credit Card WF 2500
Credit Card NFCU 10000
Credit Card USAA 1500
Loan 1100
=
17,000+2500+10000+1500+1100= grand total of:
$32,100

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I have been in an increasingly large amount of debt for the last 5 years.

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I have been in an increasingly large amount of debt for the last 5 years.

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Since 1999, the national suicide rate is at about 40% due to total financial debt, most contributed from health costs/medical bills, that converts to 2/5, or .4, of all Americans who have committed suicide, have done so because of money issues. 

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Since 1999, the national suicide rate is at about 40% due to total financial debt, most contributed from health costs/medical bills, that converts to 2/5, or .4, of all Americans who have committed suicide, have done so because of money issues. 

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My current debt to income ratio is about 60%, that is not good. Debt to income ratio is determined by taking your monthly debt payments, and dividing it by your annual income. 

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My current debt to income ratio is about 60%, that is not good. Debt to income ratio is determined by taking your monthly debt payments, and dividing it by your annual income. 

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If I eliminated my credit card debt, my debt to income ratio would only be about 27%.

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If I eliminated my credit card debt, my debt to income ratio would only be about 27%.

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If I were able to decrease my debt from 60% to 27%, that would be a 53% decrease.....looks like I missed that exit though.

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If I were able to decrease my debt from 60% to 27%, that would be a 53% decrease.....looks like I missed that exit though.

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I tried to demonstrate simple addition, percentages, fractions, comparing percentages, and different visuals such as the pie chart, the list of items ( the addition of debt ) and the DTI chart I used based off of my actual financial accounts and the utilizing the financial tools available being the horizontal charts.

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I tried to demonstrate simple addition, percentages, fractions, comparing percentages, and different visuals such as the pie chart, the list of items ( the addition of debt ) and the DTI chart I used based off of my actual financial accounts and the utilizing the financial tools available being the horizontal charts.

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If my overall debt is reduced to 27% then I would have 73% available credit

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If my overall debt is reduced to 27% then I would have 73% available credit