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Dont ask friends and family for more than they can really afford to lend. Likewise, dont borrow more than you can afford to pay back. Pay Back Promptly. Work out a schedule with payments that you can afford and be conscientious about making those payments on time.
Include Interest. Loaning money isnt free. When a friend lends you 200, thats 200 they no longer have in their bank account. So its only fair to pay them back at least as much interest as they would have earned by leaving that money in the bank.