The best replacement for paying off debt is saving.

The best alternatives to paying off debt are rated as following:
★★★★★  saving
★★★★  investing
★  saving money
★  saving for retirement
★  bankruptcy
★  settling
★  savings
  settlement
  saving for a house
  putting money in savings
  retirement savings
  building savings
  save
  down payment
  emergency fund
  starting emergency fund
  tithing

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Google Trends

Scale is based on the average worldwide traffic of paying off debt in all years. Click on graph for more.
paying off debt
saving
investing