Roberto and Jessica Suarez have a gross income of $53,000 a year and annual expenses of $51,500 including taxes. Their annual debt payments total $15,000. According to the recommended standards for the debt -to-income ratio, the Saurez's ratio of?
a. ?36 percent and is too high for easily manageable debt repayment.
b. ?36 percent implies they have the ability to easily make their debt repayments.
c. ?28 percent is much too high for easily manageable debt repayment.
d. ?28 percent implies they have the ability to make their debt repayments.