Potential answers for "Need to repay"

⭐⭐⭐⭐ OWE
⭐⭐⭐⭐ XXX
⭐⭐⭐ ITSAGIFT
⭐⭐ AVENGE
⭐⭐ LOAN
⭐⭐ INKIND
⭐⭐ IOU

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