Which of the following is not something that should be considered when creating a debt payment plan?a.In general, the larger the debt, the longer you should plan to take to pay it off.b.Higher interest rates create more cost than lower interest rates on a similar debt.c.Making a payment larger than required or expected will help pay off the debt sooner.d.The longer you take to pay off your debt, the more you will be paying in interest and other fees.