The amount of debt involved dictates this matter, with affordability achieved by increasing the number of monthly repayment sums. (badcreditloanservices.com)
If you find yourself unable to make monthly repayments on your outstanding balances, a solution such as debt consolidation or a consumer proposal may be right for you. (spergel.ca)
My interpretation of the ratio column is that a higher ratio combines the best total interest savings amount with the lowest monthly repayment amount. (money.stackexchange.com)