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Debt-to-income ratio (DTI) helps evaluate how much of your income goes toward paying debts, informing payoff and planning decisions.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},280102,1790229731,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":79,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":141},962085564381,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Tackle Your Debt  \nGame Plan for a  \nTouchdown!  \nThe mission of Broadview Financial Well-Being is to guide and encourage individuals to focus on achieving economic stability—using innovative tools, making informed decisions, and encouraging positive habits.  \nBroadview Financial Well-Being learning content and activities are aligned to the applicable K-12 educational learning standards: The New York State Learning Standards: Career Development and Occupational Studies; The National Standards in K-12 Personal Finance Education; and The Common Core Learning Standards; or the applicable adult learning standards: Institute for Financial Literacy: National Standards for Adult Financial Literacy Education.  \n[Content courtesy of TheBalance.com](Content courtesy of TheBalance.com), ©About, Inc., 2016—Types of Loans, p. 3, Adapted from [http://credit.about.com/od/avoidingdebt/a/](http://credit.about.com/od/avoidingdebt/a/)[ ](http://credit.about.com/od/avoidingdebt/a/)[types-of-loans.htm.](types-of-loans.htm.)  \nContent courtesy of [Investopedia.com](Investopedia.com), ©2016 Investopedia—Annual Percentage Rate (APR), p. 4, Adapted from [http://investopedia.com](http://investopedia.com).  \nContent [courtesy of consumerfinance.gov](courtesy of consumerfinance.gov), 2016—Debt to Income Ratio, p. 5, Adapted from [http://www.consumerfinance.gov/](http://www.consumerfinance.gov/)[ ](http://www.consumerfinance.gov/)[askcfpb/1791/what-debt-income-ratio-why-43-debt-income-ratio-important.html.](askcfpb/1791/what-debt-income-ratio-why-43-debt-income-ratio-important.html.)  \nContent [courtesy of NerdWallet.com](courtesy of NerdWallet.com), ©2016 NerdWallet, Inc.—Debt Consolidation Options, pp. 8-9 Adapted from [https://www](https://www).  \n[nerdwallet.com/blog/finance/consolidate-credit-card-debt-personal-loan/\\#options](nerdwallet.com/blog/finance/consolidate-credit-card-debt-personal-loan/#options).  \nContent courtesy of the Federal Trade Commission, May 2015—Collections, p. 15, Adapted from [https://www.consumer.ftc.gov/](https://www.consumer.ftc.gov/)[ ](https://www.consumer.ftc.gov/)[articles/0149-debt-collection.](articles/0149-debt-collection.)  \nContent courtesy of ©2016 Findlaw—Bankruptcy, p. 16, Adapted from [http://bankruptcy.findlaw.com](http://bankruptcy.findlaw.com).  \n©2016 Broadview Financial Well-Being..  \nWelcome to “Tackle Your Debt”!  \nGetting out of debt takes a great deal of focus, determination, and commitment. Once you start, remember that the payoffs will be significant. As you pay down your debt, family and friends may also learn the importance of financial planning and setting priorities. Sometimes it takes a second job or some freelance work to earn the extra cash you need to tackle your debt.  \nThere are things you need. And then there are things you want. Only you know the difference. As you begin to tackle your debt, focus on your needs—plan for what you want later. Most importantly, create a budget and stick to it. Be creative through this process and consider ways to save money.  \nIf you begin to be discouraged at any time, reach out to trusted family and friends to support you. Remember, you can do it!  \nGo for the goal! Tackle your debt for a touchdown and win!  \nTable of Contents  \nckle Your ba e a oP n a Touchdown!  \nGood Debt vs. Bad Debt ...........................................................................................................................2  \nTypes of Loans ............................................................................................................................................3  \nAnnual Percentage Rate (APR) ................................................................................................................ 4  \nDebt to Income Ratio (DTI) ......................................................................................................................5  \nDebt Consolidation Options .........................................................................","cbCaigOvKJsd3wq9","https://ap.wps.com/l/cbCaigOvKJsd3wq9","pdf",3958405,20,"English","# Good Debt vs. Bad Debt\n# Types of Loans\n# Annual Percentage Rate (APR)\n# Debt to Income Ratio (DTI)\n# Debt Consolidation Options\n# Debt Tackle\n# Collections\n# Bankruptcy\n# My Game Plan","[{\"question\":\"What is the difference between good debt and bad debt?\",\"answer\":\"Good debt increases an individual’s net worth and can help generate value, such as mortgage debt. Bad debt does not increase wealth and is typically costly credit card debt used for purchases without lasting value.\"},{\"question\":\"What are open-ended loans and closed-ended loans?\",\"answer\":\"Open-ended loans can be borrowed over and over, such as credit cards and lines of credit, with a borrowing limit. Closed-ended loans generally have a fixed structure rather than repeated borrowing under a revolving limit.\"},{\"question\":\"How do APR and debt-to-income ratio help you manage debt?\",\"answer\":\"APR provides a standardized way to compare borrowing costs across loans. Debt-to-income ratio (DTI) helps evaluate how much of your income goes toward paying debts, informing payoff and planning decisions.\"}]","Tackle Your Debt - Game Plan for a Touchdown! | PDF",1789533481,7]