---
title: To borrow is to take money you must give back; debt is the money you… — Debt, loans, credit cards and interest · tree and pragmatics
description: To borrow is to take money you must give back; debt is the money you still owe; to repay is to pay it back. Who acts: you, debt. A sentence of the lesson «Debt, loans, credit cards and interest» of the money course of Mova's primary school with its dependency tree and the pragmatics of every clause.
---

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# Debt, loans, credit cards and interest, sentence 5

<!-- .ven lang=en -->
To borrow is to take money you must give back; debt is the money you still owe; to repay is to pay it back.

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**Who acts:** you, debt · **What happens:** be, take, give back, owe, repay · **To what, where:** money

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This is a sentence of the lesson «Debt, loans, credit cards and interest» of the money 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 (you, debt), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:024-debt-loans-credit-cards-and-interest.lesson:5
# text = To borrow is to take money you must give back; debt is the money you still owe; to repay is to pay it back.
# source = school lesson (ours)
# course = money
# lesson = 024-debt-loans-credit-cards-and-interest.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	To	to	PART	TO	_	2	mark	_	_
2	borrow	borrow	VERB	VB	VerbForm=Inf	0	root	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	cop	_	_
4	to	to	PART	TO	_	5	mark	_	_
5	take	take	VERB	VB	VerbForm=Inf	2	xcomp	_	_
6	money	money	NOUN	NN	Number=Sing	5	obj	_	_
7	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	9	nsubj	_	_
8	must	must	AUX	MD	VerbForm=Fin	9	aux	_	_
9	give	give	VERB	VB	VerbForm=Inf	6	acl:relcl	_	_
10	back	back	ADV	RB	_	9	advmod	_	_
11	;	;	PUNCT	:	_	15	punct	_	_
12	debt	debt	NOUN	NN	Number=Sing	15	nsubj	_	_
13	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	15	cop	_	_
14	the	the	DET	DT	Definite=Def|PronType=Art	15	det	_	_
15	money	money	NOUN	NN	Number=Sing	2	conj	_	_
16	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	18	nsubj	_	_
17	still	still	ADV	RB	_	18	advmod	_	_
18	owe	owe	VERB	VBP	Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin	15	acl:relcl	_	_
19	;	;	PUNCT	:	_	21	punct	_	_
20	to	to	PART	TO	_	21	mark	_	_
21	repay	repay	VERB	VB	VerbForm=Inf	2	conj	_	_
22	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	24	cop	_	_
23	to	to	PART	TO	_	24	mark	_	_
24	pay	pay	VERB	VB	VerbForm=Inf	21	conj	_	_
25	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	24	obj	_	_
26	back	back	ADP	RP	_	24	compound:prt	_	Agree=R7-rel-agree|Haiku=24:advmod|HaikuPos=ADV:RB:_
27	.	.	PUNCT	.	_	2	punct	_	_
```

## Pragmatics {#pragmatics}

<!-- .note -->
No stored speech act for this sentence.

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present |  |  |  |  |  | borrow *property* | tree rules |
| 2 | **take** | to-infinitive |  | money |  |  |  |  | vn bring-11.3 «NP V NP»: agent=Agent money=Theme |
| 3 | **give back** | must | you | money *not said here* |  |  |  |  | vn give-13.1 «NP V NP»: agent=Agent money=Theme |
| 4 | **is a** | present | debt | the money |  |  |  |  | tree rules |
| 5 | **owe** | present | you | the money *not said here* |  |  | still |  | vn future\_having-13.3 «NP V NP.theme (PP)»: agent=Agent money=Theme |
| 6 | **repay** | to-infinitive |  |  |  |  |  |  | vn equip-13.4.2-1 «NP V NP.recipient»: agent=Agent |
| 7 | **is** | present |  |  |  |  |  | pay *property* | tree rules |

<!-- .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:money:024-debt-loans-credit-cards-and-interest.lesson:5`.

**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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