Front End Debt To Income Ratio (FEDTIR)—the ratio of total monthly debt payments to total monthly gross income. By calculating this ratio, lenders have an accurate picture of an individual’s ability to make consistent and timely payments on their debt obligations. A low FEDTIR indicates strong financial health, as it shows the individual can comfortably manage their debts with their existing income. However, a high FEDTIR suggests that the person may have difficulty managing their existing financial commitments, and may be more likely to default on debt payments.