What factors including psychological would you consider in, Finance Basics

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What factors including psychological would you consider in

Question: 1. What factors (including psychological) would you consider in assessing the choices in declaring personal bankruptcy? Why should personal bankruptcy be the choice of last resort?

2. Suppose that your monthly net income is $1,500. Your monthly debt payments include your student loan payment and a gas credit card, and they total $200. What is your debt payments-to-income ratio?

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