Kim is trying to decide whether she can afford a loan she needs in order to go to chiropractic school. Right now Kim is living at home and works in a shoe store, earning a gross income of $1,070 per month. Her employer deducts $210 for taxes from her monthly pay. Kim also pays $128 on several credit card debts each month. The loan she needs for chiropractic school will cost an additional $85 per month. Required:
Calculate her debt payments-to-income ratio without college loan.