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i dont have insight but i think its based solely on your income + savings (?) , not on your expenses (so like you paying you sisters college bill which is incredible of you, might not factor in to calculations)
Thank you! Just worried because on paper it looks like my income is relatively high but my savings doesn’t match in substance because of factors like paying for my sister’s tuition (my single mom couldn’t afford it) and I pay for my family’s living expenses as I’m the only one working