Do I get a D&C or natural I'm torn!

I went into my 7+5 day ultrasound and my baby's heart stop beating! I'm so sad, now I have to make a choice on what to do. They saw it early on a ultrasound! Can anyone give me advice? Why does this happen?? I have been so completely stressed the last month over this pregnancy and had a bad feeling it wouldn't end well and I was right, stress didn't help me!