External debt is money owed by a country or its citizens to foreign lenders. A country's debt service ratio measures how much of its export earnings must go toward debt payments. Debt relief involves cancelling debts to allow poorer countries to use funds for social programs. International aid aims to improve recipient countries' economies and living standards through money, goods, and support. Effectiveness of aid has increasingly focused on sustainable, community-led approaches like those of NGOs and microcredit organizations.