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.