Choosing to perform Umrah while in debt requires careful thought. Pay off your debts those with interest, before you start planning your trip. This allows you to focus on your worship and bond with Allah (SWT) without financial concerns weighing on your mind. Think about your ability to repay short-term or mortgage loans. If necessary, talk to your lender. Ultimately, being financially stable will help you have a meaningful Umrah and strengthen your bond with Allah.

Source: https://www.labbaikhajjumrah.co.uk/go-for-umrah-with-debt/