Many people have money borrowed on credit cards and are paying huge interest rates while they still sock money into investments such as RSPs and RESPs. These are important and should not be forgotten, but if you're paying 28% interest you are seriously jeopardizing your future!
Scale way back on those investments until the highest interest rate cards are paid off! You've made a big mistake with that debt and it will really impact your future well being. The interest you are making on the investments are being eaten up by the interest you have to pay on the credit cards!