All of us has our own debt and I don't think that no one can say that he or she has no debt since we are in care of our parents or our loved ones. We receive help from our friends though they don't want to receive any special things from that, we can say that it is a small debt to them that in time will be paid by a small means. If you are in debt of money to someone, you must take responsibility to that certain individual since will not just lose a friend but you also lose his trust to you as one.