How to repay your loan

The easiest and only way to repay your loan without difficulty, is to take the loan with the good intention of paying it back. If a loan is taken with the intention of spoiling it then ALLAH will spoil him.
Prophet Muhammad(pbuh) said: 


Narrated Abu Huraira: The Prophet said, "Whoever takes the money of the people with the intention of repaying it, Allah will repay it on his behalf, and whoever takes it in order to spoil it, then Allah will spoil him."  
[Buhari - Book #41, Hadith #572]