Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
This is your opportunity to ask questions. No question too simple or too silly.
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Notes -
I'm like you with regards to feeling uncomfortable being in debt, but I've learned that trying to return a debt on your own terms can for some odd reason cause friction, I guess you can still be the annoying demanding party insofar as you're asking them to show up so you can pay them back.
I try to stay away from creditor/debtor scenarios when it comes to personal relationships. If you're a close friend who really needs it I'll just give you the money.
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