1. Establish a detailed financial plan: formulate a feasible repayment plan, give priority to repayment of high-interest loans, and ensure stable repayment of loan principal and interest every month.

2. Control expenses: evaluate personal expenses and cut unnecessary consumption to save more money for repayment. Avoid luxury goods, entertainment activities and large purchases, and pay attention to rational consumption.

3. Increase income sources: Find other opportunities to make money, such as part-time, freelance or sideline, so as to increase existing income and speed up the repayment process.

4. Asset liquidation: If you have idle assets (such as real estate and vehicles). ), you can consider selling part of it or using it as collateral to reduce the burden and pay off debts with the proceeds.

5. Negotiation with creditors: actively communicate with lending institutions or creditors to explain the current economic difficulties, and ask for flexible ways such as delaying repayment, reducing interest or rescheduling repayment to reduce the financial pressure.

6. Establish contingency reserve arrangement: gradually establish contingency reserve arrangement to deal with unexpected expenses and avoid getting into debt trouble again due to unexpected expenses.

Summary: By carefully formulating financial planning, controlling expenditure, increasing income sources, realizing assets, negotiating with creditors and establishing emergency reserve fund, we can effectively cope with the pressure brought by the 200,000 loan and gradually restore our financial situation. Remember, good financial management and sticking to the plan are the keys to success.