In Islam, both paying off debt and giving charity are important obligations. However, when faced with a financial constraint, prioritization is necessary. Here’s guidance:

*Prioritization*

1. Essential expenses (food, shelter, clothing)
2. Debt repayment (especially high-interest or urgent debts)
3. Zakat (obligatory charity, 2.5% of excess wealth)
4. Sadaqah (voluntary charity)

*Islamic Principles*

1. Justice (Adl): Fulfill financial obligations.
2. Responsibility (Takaful): Prioritize essential needs.
3. Compassion (Rahmah): Show kindness to those in need.

*Quranic Guidance*

1. “Pay your debts.” (Quran 2:282)
2. “Give charity from what We have provided.” (Quran 14:31)
3. “Fear Allah, and be just.” (Quran 4:58)

*Prophetic Guidance*

1. “Pay your debts, for it is a duty.” (Hadith: Bukhari)
2. “Charity does not decrease wealth.” (Hadith: Muslim)
3. “Give charity, even if it’s half a date.” (Hadith: Ibn Majah)

*Considerations*

1. Urgency: Address high-interest or pressing debts first.
2. Impact: Consider the impact of charity on recipients.
3. Intent: Ensure charity is given sincerely, not for show.

*Alternatives*

1. Split payments: Allocate funds for debt repayment and charity.
2. Alternative charity: Volunteer time or skills.
3. Seek assistance: Consult financial advisors or Islamic scholars.

*Reminders*

1. Debt repayment is a moral obligation.
2. Charity purifies wealth and soul.
3. Balance financial responsibilities with compassion.

*Fatwas (Islamic Rulings)*

1. Paying off debt takes precedence over charity (Darul Iftaa)
2. Zakat is obligatory, but debt repayment is essential (Islamic Fiqh Council)

Consult Islamic scholars or financial advisors for personalized guidance.

Remember, Islam emphasizes balance, justice, and compassion. Prioritize essential expenses, debt repayment, and then charity, while seeking guidance and considering alternative solutions.