<prompt> Translate the following text to EnglishKulingana na takwimu za mwaka 1998 za utafiti wa fedha za watumiaji, jumla ya madeni ilikuwa karibu asilimia 15 ya mapato, lakini karibu asilimia 13 ya familia zilikuwa na madeni zaidi ya asilimia 40.  <response>: According to one estimate using 1998 Survey of Consumer Finances data, the aggregate debt burden was nearly 15 percent of income, but nearly 13 percent of families had debt burdens greater than 40 percent. 