Add your debts and compare snowball (smallest balance first) against avalanche (highest rate first) — with real months and interest, not just the order.
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Add your debts to see your diagnosis.
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Avalanche saves you more money in interest. Snowball tends to be easier to stick with because you see results (debts eliminated) faster, which helps keep you motivated.
If your debt carries a high interest rate (like credit cards, typically 20%+), yes — it's hard for savings or investing to outperform that. With low-rate debt, you can do both at once.
Contact your creditors directly — many offer payment plans or grace periods before things get worse. Ignoring the problem almost always makes it more expensive.