I haven't thought a lot about that, and might be making the wrong call. Off the top of my head:
I guess I could put my 10% toward debt reduction instead -- if you or anyone else has pointers to info that might cause me to decide to do that, I'd be interested in seeing it, and in promoting it so that other debt-saddled EAs can make better decisions!
I disagree that 'giving cause it feels good' isn't an EA reason to give. It's about the head and the heart right? I give because it feels good, and it feels even better knowing that where you give is high impact and if giving makes you feel good then that's encouraging to others as well :)
And I also started giving when I had my student loan to pay off - maybe if my loan was bigger I would have thought about starting with smaller donations like with The Life You Can Save, but my main motivation was that if the debt is an excuse now, then buying a house will be an excuse later, and then all the other life excuses and I will never do it. So I leapt. People live really well on less than I did even with the donations and the loan repayments, it does mean thinking more about 'fun' activities' though I found that I could still do all those things and where I spent less was on 'stuff' - things you buy but don't really need anyways.
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