---
title: A payday loan is a small short-term loan with very high interest, an… — Borrowing and debt · tree and pragmatics
description: A payday loan is a small short-term loan with very high interest, and people can get trapped borrowing again to repay it. Who acts: payday loan. A sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school with its dependency tree and the pragmatics of every clause
---

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# Borrowing and debt, sentence 16

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A payday loan is a small short-term loan with very high interest, and people can get trapped borrowing again to repay it.

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**Who acts:** payday loan · **What happens:** be, trap, borrow, repay · **To what, where:** small term loan, people, interest

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This is a sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (payday loan), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:008-borrowing-and-debt.lesson:16
# text = A payday loan is a small short-term loan with very high interest, and people can get trapped borrowing again to repay it.
# source = school lesson (ours)
# course = adult-life
# lesson = 008-borrowing-and-debt.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×1
1	A	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
2	payday	payday	NOUN	NN	Number=Sing	3	compound	_	_
3	loan	loan	NOUN	NN	Number=Sing	10	nsubj	_	_
4	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	10	cop	_	_
5	a	a	DET	DT	Definite=Ind|PronType=Art	10	det	_	_
6	small	small	ADJ	JJ	Degree=Pos	10	amod	_	_
7	short	short	ADJ	JJ	Degree=Pos	9	amod	_	_
8	-	-	PUNCT	HYPH	_	7	punct	_	_
9	term	term	NOUN	NN	Number=Sing	10	compound	_	_
10	loan	loan	NOUN	NN	Number=Sing	0	root	_	_
11	with	with	ADP	IN	_	14	case	_	_
12	very	very	ADV	RB	_	13	advmod	_	_
13	high	high	ADJ	JJ	Degree=Pos	14	amod	_	_
14	interest	interest	NOUN	NN	Number=Sing	10	nmod	_	_
15	,	,	PUNCT	,	_	20	punct	_	_
16	and	and	CCONJ	CC	_	20	cc	_	_
17	people	people	NOUN	NNS	Number=Plur	20	nsubj:pass	_	_
18	can	can	AUX	MD	VerbForm=Fin	20	aux	_	_
19	get	get	AUX	VB	VerbForm=Inf	20	aux:pass	_	_
20	trapped	trap	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	10	conj	_	Agree=R7-rel-agree|Haiku=10:parataxis
21	borrowing	borrow	VERB	VBG	VerbForm=Ger	20	xcomp	_	_
22	again	again	ADV	RB	_	21	advmod	_	_
23	to	to	PART	TO	_	24	mark	_	_
24	repay	repay	VERB	VB	VerbForm=Inf	21	advcl	_	_
25	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	24	obj	_	_
26	.	.	PUNCT	.	_	10	punct	_	_
```

## Pragmatics {#pragmatics}

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No stored speech act for this sentence.

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| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a payday loan | a small term loan |  |  |  | with high interest | tree rules |
| 2 | **trap** | can · passive |  | people |  |  |  |  | tree rules |
| 3 | **borrow** | gerund |  |  |  |  | again |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 4 | **repay** | to-infinitive |  | interest |  |  |  |  | vn equip-13.4.2-1 «NP V NP.recipient»: agent=Agent it=Recipient |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:008-borrowing-and-debt.lesson:16`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×1. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Borrowing and debt, 15](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/15/)
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