Debt to income ratio?

I always have a hard time getting financing because my debt-to-income ratio is too high.
Currently my debt is about $12,000 in student loans (combo of both my first time in college several years ago and my current schooling) and $3,300 in medical credit payments (Care Credit for my braces, an account I had to open a couple months ago since I couldn't get financing at the orthodontist's office). I also have a paid off credit card with an $800 limit.
I'm paying on the Care Credit (minimum $172 but I pay $175). Since I'm in school my student loan payments are currently deferred and also my loan debt will rise a little since I still have three more semesters.
I make roughly $1400 a month after taxes and deductions. My rent is $365. I pay up to $360 in utilities and insurance (car and rental). I put $20 a paycheck into savings.
What I want to know is how do I improve my debt-to-income ratio so that I can get financing the next time I need to apply for it?

Not really an option for you. The bottom line is you have to pay down your existing debit to lower your DTI. Sorry!

There are only two ways to improve that ratio: less debt or more income. What are you trying to "get financing" for?

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