what are the limitations of debt to income ratio 
the dti ratio does not distinguish between different types of debt and the cost of servicing that debt credit cards carry higher interest rates than student loans but they re lumped in together in the dti ratio calculation if you transferred your balances from your high interest rate cards to a low interest credit card your monthly payments would decrease as a result your total monthly debt payments and your dti ratio would decrease but your total debt outstanding would remain unchanged 