Gina would like to apply for a loan but knows that her current debt-to-income (DTI) ratio will keep her from being approved. Her current monthly debt includes a rent payment of $910.00, a car payment of $210.00, a student loan payment of $149.00, and two credit cards with a combined minimum monthly payment of $78.00. The bank requires a DTI of 36% in order to approve Gina’s loan application. What would Gina's gross monthly income need to be to get approved for the loan?

A. at least $2,855.56 B. at least $2,638.89
C. at least $3,713.89 D. at least $3,930.56