Credit question: Income to Debt ratio?

[grizzbr1]

I have a question regarding my credit, FICO score etc..I have student loans totalling ~ $35000, about 9000 of that are seperate non federal loans the other 26000 are consolidated federal loans with citibank. When considering income to debt ratio, how are they calculating this? on a monthly basis? I am paying ~ $200.00 a month on these student loans over a long fixed period of time obviously. My income is totalling ~3000.00 take home a month. I also have a loan with HSBC totalling 4500, paying about 150 a month for that. How does this debt fit into my debt to income ratio?I'm trying to get below the 38 percent d/i ratio to qualify for a mortgage. I also have a few credit cards totalling about 3500 bucks, I have the money to pay them off (which I will this month) How do these fit into debt to income ratio?I'm considering a mortgage in about 9 months and would like to upgrade my fico.

[desabol]

Simply put.....example only......$50,000 of debt on your credit report. When you fill out your credit apps, you say you make $30,000, you are over extended with debt, right? Or Your car is $500, rent $1500, utility $500, student loan $500, child support $300, insurance $200 and minus taxes, your over extended again. DTI - debt to income, what you bring in versus what you shell out each month, simple.