It is generally recommended in Islam to prioritize the repayment of one’s debts before undertaking optional acts of worship like Hajj. This is because fulfilling one’s financial obligations is considered a duty and responsibility in Islam, and neglecting them can have negative consequences for both the individual and their creditors.

Therefore, if a person has outstanding debts that they are struggling to repay, it is recommended that they prioritize debt repayment before planning to perform Hajj. They should make a sincere effort to settle their debts by negotiating with their creditors, seeking financial assistance from family and friends, or exploring other options such as debt consolidation or repayment plans.

Performing Hajj while in debt can also have negative financial consequences for the individual, as it may increase their debt burden and cause financial hardship for themselves and their families. It is important to ensure that one’s financial situation is stable and secure before embarking on the pilgrimage to avoid any undue stress or hardship.

It is recommended to seek guidance from a knowledgeable Islamic scholar or a financial advisor to help with financial planning and debt management, and to ensure that one’s Hajj is performed in accordance with Islamic principles and obligations.