A safe ratio is the percentage of debt you are comfortable carryin
given your current income level.  Usually around 15-20%, although mos
Debt Managers allow you to put in what you want here and banks allow u
to 40%.  The safe monthly payment is that percentage times your monthl
income i.e. 20% with an income of $3000 would give a monthly payment o
.20*3000 = 600.  

Your Consumer Debt Manager is probably calculating that as a standar
then comparing your actual debt to income ratio and monthly paymen
amount to the safe ratio.  It should then indicate if you are within
safe level or exceeding your safe level.

If you want to research the 'safe ratio' look for 'desirable debt t
income ratios' or something similar as that is what it really is