When deciding between paying off debt and giving to charity, most financial and ethical perspectives suggest prioritizing debt repayment, especially if it’s high-interest debt or if missing payments could negatively impact your financial stability and credit. Here are some key considerations:

1. Ethical and Religious Views: Many traditions emphasize fulfilling obligations (like debt) before making charitable contributions. Paying off debt can be seen as a way of taking responsibility for past financial choices and ensuring stability for yourself and any dependents.

2. Financial Health: Reducing debt—particularly high-interest debt—can improve long-term financial security. Carrying large or costly debt can increase stress, limit financial options, and even prevent you from being in a position to give generously in the future.

3. Charitable Alternatives: If giving is important to you, consider non-monetary ways to contribute, such as volunteering time, skills, or resources.

4. Balance: Some people may set aside a small, manageable amount for charity to keep the habit while focusing on debt, especially if their financial situation allows it.

So, while paying off debt is usually the wiser financial choice, consider options that allow you to balance responsibilities with personal values.