Isaac Wright has a monthly take-home pay of $1,685; he makes payments of $410 a month on

Question:

Isaac Wright has a monthly take-home pay of $1,685; he makes payments of $410 a month on his outstanding consumer credit (excluding the mortgage on his home). How would you characterize Isaac's debt burden? What if his take-home pay were $850 a month and he had monthly credit payments of $150?