What are the warning sign(s) that you are drowning in debt? I. You can't pay your monthly minimum payments II. Your debt amount does not go down III. You are over your credit limit IV. Using payday loan services IV only II and III I and III I, II, III and IV Question 50 (1 point) Which of the following is NOT a debt paydown strategy? Borrow from a pay day lender Obtain a debt consolidation loan from a bank or credit union Refinance your mortgage and consolidate your personal debts into your mortgage Pay more than the minimum required