Debt

Avoid financial strain for a happier, healthier you

Debt-to-Income

Your debt-to-income ratio is an important part of your overall financial health. This is calculated by taking your total monthly debt and dividing it by your monthly income. We recommend that less than 36% of your pre-tax income should go to debt repayment, including:

Mortgage/Rent
Minimum Credit Card Payment(s)
Student Loans
Auto Loans
Personal Loans
Other Debt

Is Debt Causing You Stress?

Regardless the cause of your debt—be it over-spending, salary reduction, or emergency expenses—it's important to recognize if and when you're paying out more money than you're bringing in (your income). If you're debt-to-income ratio is too high and causing you stress, you're not alone. And you do have options.

BALANCE

We've partnered with BALANCE to provide you with free access to confidential, no-cost financial counseling services to help you manage your debt. BALANCE coaches and credit counselors are trained professionals, sensitive to unique circumstances and feelings that those struggling with debt encounter. The focus is on you and your personal needs and situation.

Visit BALANCE

Need Help with Debt?

BALANCE agrees to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. To speak with a BALANCE credit counselor, call (888) 456-2227 today!

Or, fill out the form to be directed to one of our Financial Planners who can help you better understand how to manage your income and expenses.

Sentinel and Balance are not affiliated and Sentinel is not responsible for recommendations provided by Balance & its representatives.