get checkbox values if it is unchecked set value 0 - php

Question

I have created a form with array as attr name of input there are input and checkboxes in form I am trying to run single loop to get all form values now the problem comes with checkboxes if any checkbox in checked then I want to set the value as 0 if checkbox is unchecked
I did something like this but had to ran 2 loops which is not good approach I need a better approach to do that
//Defining All Available Checkboxes
$checkboxes = array(
'pre_payment_option' => 0,
'partial_payment' => 0,
'usb_card_use' => 0,
'unpaid_customer_rentals' => 0,
'new_rentals_aknowledge' => 0,
'additional_deposit' => 0,
'customer_profile_edit' => 0,
'customer_billing_edit' => 0,
'customer_schedule_move_out' => 0,
'reserve_limit' => 0
);
foreach($data['site_settings'] as $meta_key => $meta_value):
if(!in_array($meta_key, $checkboxes)) {
echo $meta_key . 'Value Added <br />' ;
}
// echo $meta_key . ' | ' . $meta_value . '<br />';
endforeach;
foreach ($checkboxes as $key => $checkboxe) {
if(isset($data['site_settings'][$key])) {
$meta_key = $data['site_settings'][$key];
} else {
$meta_key = 0;
}
}
Form
<input type="text" name="site_settings[move_outs_days]" />
<input type="checkbox" name="site_settings[customer_billing_edit]" />
...