Excellent!  While you should pay off your debt as soon as possible, this debt to income ratio should allow you to live the lifestyle you want without major constraints.

Healthy. You should avoid incurring more debts, and might have a problem getting approved for a mortgage or yet another loan. Still, you are in a relatively good situation.

Troubling. You probably won’t get approved for any additional loans; you should start working on a plan that will help you reduce your debts.

Dangerous. Such a debt to income ratio indicates financial trouble. You should devote as much money and energy as possible to pay off your loans.

Extremely Dangerous. More than half of your income is used to pay off debts and mortgages. If you’re not following a strict payment plan yet, don’t hesitate to consult a financial advisor and get professional help.