Dear Albert, 

I have met quite a few young people who are in the same position as yourself. Their most common mistake is to hold off making a decision on the vocation until after they have paid up their bills.  

You need to make a firm decision in favor of your vocation, and then go all out to pay off your debts even if you are not sure exactly on the place you want to join, diocese or religious order, or which order.  

If you make the decision, then your needs change, and most probably your expenses, allowing you to save more and faster. You probably will not need to spend so much on extras: if you are renting an apartment you may be able to move back home, you might have things you can sell off, it won't matter taking on a second or third job because you won't have the same need to socialize, etc...  

The key thing to do is say to God and to yourself: yes, this is it, it's you and nobody or nothing else in my life. If you go passive and just wait to see when you can pay them off you will waste precious years.  

If you don't know exactly where God is calling you, use all the time you can finding out, and when you find the place that may be it you can ask them what about your debts. Could be they can help you arrange something as well.