If you are having trouble making loan or credit card payments, which recommendation below represents the LEAST useful piece of advice? a. Find an extra source of income by taking a second job, working longer hours, asking for a raise, etc b. Stop making payments on some of your debts so you can focus on getting the most expensive or largest debts under control c. Call your lenders and see if you can negotiate lower monthly payments, lower interest rates, or longer terms d. Reduce spending in some other area of your budget so you can direct more funds toward debt payments