Who is most likely to be offered a higher auto loan rate based on their credit- to-debt ratio? HELPPP me pleasee

The stopwatch used by a student to measure velocity of a pulse in a slinky was of least count 0.1 second. he stops the stopwatch when a pulse has made 3 journeys from one end to the other of the slinky. he finds the seconds hand to be at 52nd division. calculate the correct time noted by him.