interest     term     debt/
       rate         borrower
               income
Personal loan     100%     100%     100%
New Car     54%      182%     289%
Used Car, boat, RV   72%      145%     227%
Home equity loan   60%      182%      283%
        64%      255%      364%
        46%      364%      521%
Mortgage     50%      545%      669%
Mortgage     56%      1091%      869%