Chip's annual income is $45,000 and Joanna has a part-time income of $18,000 per year. The Gaines have monthly debts of $390 for their car (three years left on the loan) and a $155 minimum payment on a $2,500 balance on a credit card. What is the maximum allowable debt payment?
a) $390
b) $155
c) $545
d) $715