<prompt> Human: I recently was denied refinancing from CitizenOne on my Sallie Mae private loan and in my letter I was told that my DTI was too high. I ended up calculating it to 76. Is there a way to artificially lower it by doing something like splitting rent? And follow up question, how can I realistically improve my DTI to climb my way out of debt? My figure is based on utilities included in rent, should I not include them?My monthly grossed income is 3300. My monthly bills:Rent: 1200 Student loan: 1060 Balance 86,400 11.25 Credit card: 116 Balance 4000In the next two years my income will go to roughly: 3330 5860.I considered liquidating my 401k 18000, after tax 11500 from a previous company and using what I had left after taxes to lower the balance on my SL but Im not sure that would really help anything. I also have 11,000 left over from a bonus I received from my current job.I started driving for Uber and Lyft as well as working my primary job.I considered bankruptcy, but my wife is my cosigner on the loan.Im paying my bills on time, and the refinance would of had me paying 717. Im feeling at my wits end trying to manage this. Is there something I havent considered?Assistant: Where is your wifes income in this? You need to provide the whole picture, not just your half.Human: Honestly, shes worse off than I am. Her entire income is eaten up by her own debts, I didnt include it because shes not able to contribute anything my direction.Id have to ask her for exact numbers because I dont know them.  <response>: You guys need to be a team on this. Sit down with all of your income, bills, debt, and come up with a plan of attack together. 