Just some tips from personal experience.
1, stay cool.
2, reframe the question
3, always, be honest in your reply.
So, in my own experience, I wouldn't rush into an answer. I'm not in school anymore so I seldom feel the need to snap the answers as quick as possible. Slow the pace down to a level I'm comfortable with. If by loaded question you mean something accusatory ( which has often been my experience ) then reframe it. Answer with honesty.
By doing those three things, you Slow down the ambush, you avoid the trap and deal in honesty...which is a high currency..
It's essentially a chess move, they're trying to corner you. So move out of the corner, drag them into the middle of broad daylight and be honest.
If it's a debate setting then I've no idea, I detest debates as I've no time for them.
My experience was based on 7 years of mind games by 3 very toxic people who tried to have me sacked. Being young and full of ideas they saw me as a threat, so they tried to frame me on all sorts of shit. Loaded questions was their main weapon.
Hope that helps, if not you, then somebody else.
I got schooled in Workplace politics/bullying so hard I should have a masters in both.
Anyways, that's enough of that.