Understanding Debt to Income Ratio vs. Debt to Credit Ratio

Depending on which credit scoring model you use, your debt to credit ratio can affect your credit score. However, debt to income ratio is different.
Debt Payoff Calculator: How to Decide Which Debt to Pay Off First

If you have a debt to pay off, it’s important to take a look at a debt payoff calculator to figure out how much your debt is actually costing you.