Maybe you hate your debt, but you also hate the idea of waiting to save a little for your kid’s college until your debt is paid off. That inner conflict can reveal your answer: put a little toward both. I personally don’t believe in saving for college (more on that later) and I can’t stand debt—not even if it’s my own mortgage—so I make it a priority to pay down any balances at a ferocious pace. Neither approach is right or wrong. Pick the one that brings you the most peace.
