The debt$-$to$-$income method measures a person's financial solvency. The larger the ratio, the riskier the

likelihood of repayment. A ratio above $0\mathrm{.}28$ is considered high.

True

False

Question $155$

If you cannot get completely out of debt every two years $($except for a mortgage loan$),$ you probably lean

on debt too heavily.

True

False

Question $156$

Lenders cannot use credit history or income to discriminate among applicants.

True

False