Which of the following is included in current monthly debt payments?

Current monthly debt payments encompass all recurring obligations owed by an individual, primarily focused on debt repayment. This includes any loan payments and minimum payments on credit cards, which are direct debt obligations requiring ongoing monetary payments. These payments are critical in calculating an individual's debt-to-income ratio, a crucial metric used by lenders to assess an applicant's ability to manage monthly payments and repay debts.

Other options do not fit the criteria for current monthly debt payments. For instance, mortgage payments alone do not represent the entirety of monthly debt obligations, as various forms of borrowing, including credit cards and personal loans, also contribute. Investment contributions are not considered current monthly debt payments since they are funds allocated toward future growth rather than repayment of existing debt. Child support payments, while significant financial obligations, are not typically classified under standard debt payments like loans and credit card minimums. Therefore, the correct answer reflects the broader spectrum of current debt responsibilities.