A person's debt-to-income ratio describes. A. how often the person's credit score changes based on increasing levels of debt.
B. how frequently a person has to make payments on a significant debt.
C. how much money a person can borrow from a bank at any given time. D. how much the person has borrowed compared to how much he or she earns

D. how much the person has borrowed compared to how much he or she earns

Explanation:

A person's debt-to-income ratio, abbreviated as DTI, is a measure of a person's monthly debt obligation against their monthly gross income. It shows the fraction or percentage of gross income that is committed to debt repayments. Lenders use the debt-to-income ratio to assess a borrower's ability to repay future loans.

Calculating the debt-to-income ratio requires one to add up all their existing loan repayments and divide that figure with their gross income. Lenders insist on a ration that does not exceed 36% as per the 28/36 rule.

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