Psalm 37:21
The wicked borrow and do not repay, but the righteous give generously;

The wicked are takers, borrowing and not repaying. Partly because he will not, but mainly because he cannot. Want follows upon waste, and debt remains undischarged. Often are the wicked thus impoverished in this life.

The righteous are givers, full of mercy. He is generous and prosperous. He is not a borrower, but a giver. So far as the good man can do it, he lends an ear to the requests of need, and instead of being impoverished by what he imparts, he grows richer, and is able to do more.

Application

Anything that you have to give/pay back. Do it at the earliest.