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One of the ways to determine how much you can repay toward your debt is to consider your Personal Savings Rate, or PSR. The way to figure out your PSR is to take a look at what you do not consume at the end of the month and divide it into your personal income. The resulting percentage reflects your Personal Savings Rate. In the United States, the average PSR typically hovers around the 4% mark, but given the current economic troubles has reached as high as 6% recently. By increasing your PSR, you can not only weather extended periods of economic strain, but you are better positioned to repay consumer debt.