terrence's annual take home pay is $45,000. what is the max amount that he can spend per month paying off credit card and loans and not be in danger of cerdit overload

18 credits if studying, if working this is usually monthly and does not reflect credit overload. Unless there are bank credit card payments to pay and normal charges.

Lets say charges are £20 a month and no student debt.

Plus 30 x monthly rent for annual proof for lettings. shows $30,000 credit worth + 15000 extra ...

Average rent $1000 a month. = 12,000 45000-12000 = 33000 utility and necessary expenditure $3000 a year = $30,000.

Therefore debt can be considered long term payments at half this $15,000 p/y

or 7% of 45,000

7% = $3150 p/y / 12 = $262.5 p/m

with $11,850 of $30000 to be considered for credit worth + approval and interest in any 12 month term.

Should Terrance require low interest credit his worth thereafter if rent was low at $1000 a month, he would be considered for maximum $880 repayment terms for short term new loans.

I got $750 as my answer.