Borrowing is not evil. It is only when you do not repay it on time, or when you do not repay it at all, that you suffer.
If you do not have the strength to repay, do not borrow at all. This is how you can have peace, and a free conscience.
If you have the strength to repay, borrow and repay it in due time. This is how you can get the strength, to borrow again.
Isaac Essoun
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