You are the Engineering Manager for a B2B SaaS platform. Your team keeps shipping customer-facing features, but the service is now showing rising incident rates, slower release cycles, and a growing backlog of technical debt across the API layer, test coverage, and deployment pipeline. Product wants to keep the roadmap moving, Support wants fewer escalations, and the CTO is asking for a clear plan before the next planning cycle.

How do you prioritize technical debt in your projects?