Which of the following is not a step in creating a debt payment plan?a.Rank all debts in the order in which you would like to pay them off.b.Consolidate all credit cards onto a single card with a single interest rate.c.Determine how much extra money you have each month that you can dedicate to debt payment.d.Focus on paying off a single credit card at a time while paying the minimum balances on all other credit card accounts.