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what would your choice be among the listed ones?

the top 3 after p2p would be my choices.
in a bull run it would all go into crypto, in this market it would be into my own education and own business.

wise, I like it

What business do you have?

it really depends on what type of debt it is. If the debt is manageable, then I would tend to agree. But if it is difficult to service the payments on the debt, it might make sense to pay it off.