1. See if you can repay in installments: If you are unable to repay the loan in full and do not want to borrow money, installments can be said to be the most appropriate method. However, the installment must be determined based on the actual amount of debt owed and your own repayment ability. At present, most banks can only divide it into three years at most. 200,000 yuan requires at least a monthly salary of 6,000 yuan or more. If you cannot do this, you can only borrow money or let it be paid. Family members helped chip in the money.

2. Ask your family to help raise money: This is a more reliable method. After all, you can gain the understanding of your family, get through the difficulties together, and then make money together without having to bear foreign debts. However, there are many families who may not have enough savings of 200,000 yuan. In this case, it is definitely not feasible and another solution must be found.

3. Ask relatives and friends to borrow money: You must be sincere when borrowing money. First, tell the real purpose of borrowing money. If the other party is willing to lend money, you must set up an IOU and make it appropriate. Give a little interest. After all, if you put 200,000 yuan in the bank, you still have some money, so you can't let people lose money.