<em>Your income determines your credit score</em>
False.
Your income can sometimes affect your credit score, but it's not based on it. Your credit score is based on your Payment history, Credit history, and debt.
Trevor will be saving less.
If he saves a fraction of what he is currently saving he is saving a part .
Which means that he will be saving less.
The value of the land after 11 years will be $2,903,175.