Pinoy Commentaries

Debt is ... debt.  What is borrowed ... is borrowed.  What is loaned ... is loaned.  And what is given ... is given.

If you owe something ... you need to pay them back.  If you borrowed something ... it needs to be returned.  Loans require repayment.

And don't ever misconstrue this.  ANG UTANG AY HINDI BIGAY. Kaya dapat lang bayaran.

At kung ikaw ay binigyan ... matuto ka namang i-acknowledge yon ... and please say Thank You!.