There’s two great points here. 1. Not all debt is bad. Without a mortgage loan, few people would ever be able to afford to buy a home.
2. Don’t wait to be debt-free to start investing. Pay off high interest debt but get started on your long-term financial goals as well.
Interest doesn't stop just because you quit looking at the bill. You should be actively prioritizing paying down your debts.
If you really want to pay off your bad debt and get out from under the burden, learn how to prioritize and plan your debt payments. You can also prioritize debt payoff by interest rate in a method known as the avalanche.
A clear cut plan with defined steps and timelines will help keep them focused and make it easier to deal with the inevitable setbacks.
Ditching your debt and avoiding some of the worst mistakes means thinking long-term and how that debt affects your future.