I'd say go for paying down your debt. I've been in debt in the past and it was so freeing to have it paid off. Now all my husband and I have is the mortgage. I do have a credit card that I use on occasion when I buy things online, but I pay it off monthly. Just think that once you have that paid off, you can save what you were using to pay debts down instead. Putting money into savings and investments is the second thing I do each month after paying my monthly bills.