which loan is bigger problem? we are in a circle.
If external loan is a bigger problem, give relaxation to export industry with revenue targets for three or four years. All loans will go away. Throw cheaper products in the international market.
If internal loan is problem, such as each person have a loan of 280,000 then first charge this amount to all people capable of paying this. In any case, people who have the capacity to pay this, will pay this.