https://padlet.com/stephanie_anderson1/la43 Stephanie Anderson en-us 2016-11-20 23:44:36 UTC 2026-01-12 19:49:37 UTC hello@padlet.com https://padlet-assets.s3.amazonaws.com/icons/Balance.png stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140841748 2016-11-30 15:32:02 UTC https://padlet.com/stephanie_anderson1/la43/wish/140841748 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140842777 Debt to Income Ratio (DTI Ratio) is precisely what it sounds like; a ratio that compares the amount of debt payments an individual has to their monthly income (11).]]> 2016-11-30 15:34:23 UTC https://padlet.com/stephanie_anderson1/la43/wish/140842777 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140843439 (12)]]> 2016-11-30 15:35:52 UTC https://padlet.com/stephanie_anderson1/la43/wish/140843439 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140844234 2016-11-30 15:37:45 UTC https://padlet.com/stephanie_anderson1/la43/wish/140844234 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140844563 For this, we'll consider student loans and what I hope my income will be based off of national averages. So, that would imply that my monthly income would be about $2,797 as a starting salary. Using the monthly student loan payments from the 4.2 Learning Assessment, I can determine that to be about $314. Excluding payments for things such as mortgage payments and credit card payments, my DTI ratio would be 11.2%. Without those other payments, this is not entirely accurate, but it is an estimate nonetheless.]]> 2016-11-30 15:38:37 UTC https://padlet.com/stephanie_anderson1/la43/wish/140844563 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140850367 In theory, keeping your credit score up isn't exactly difficult. In practice, I imagine, it's a little more difficult, but by following a couple of rules, it shouldn't be too bad:

1) Pay your bills! Don't let them pile up, and be super up-to-date about making them.
2) Maintain your credit over a longer period of time - it'll look good.
3) Don't go haywire and apply for more credit than you need or overuse the credit that you have.
4) Essentially, be careful (13).]]> 2016-11-30 15:50:44 UTC https://padlet.com/stephanie_anderson1/la43/wish/140850367 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140854959 2016-11-30 16:00:37 UTC https://padlet.com/stephanie_anderson1/la43/wish/140854959 stephanie_anderson1 https://padlet.com/stephanie_anderson1/la43/wish/140855366 2016-11-30 16:01:27 UTC https://padlet.com/stephanie_anderson1/la43/wish/140855366