Most of these debts were used to execute contracts. The government and the contractors should be made to refund monies expended on uncompleted, unexecuted, poorly executed and white elephant projects. This must be at the federal, state and local government levels. Do this and see sanity in our polity. But who bails the cat? Do not tell me Buhari though I must say that a top-down approach will be the most effective in tackling this. The appropriate agencies should be mobilised and encouraged to do this after they (the agencies) are rid of bad eggs.