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They struggled to afford their payments, using credit cards to bridge the gap before paychecks got here in. After having children, they worked opposite shifts so one father or mother was at all times dwelling. “We had a second. Things had been actually, actually bad. I feel we both had been finally crumbling below the weight,” she says. Her husband broached the subject of divorce. “That was the first time in 15 years that either of us had mentioned that word.”

Chicago’s debt service appropriations in FY2019 are projected to be 21.3% of whole local fund net appropriations, or $1.9 billion out of expenditures of $8.9 billion. Since FY2015 debt service appropriations have risen by 8.1%, lower than the 20.7% increase in complete net appropriations. The large increase in net appropriations is due in giant part to elevated pension fund contributions. The debt service ratio has averaged 22.7% over the 5-yr period analyzed. The rating companies consider a debt burden excessive if this ratio is between 15% and 20%.[8]

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