Pay back your loans

I would like to congratulate the borrowers who are paying  back their loan whether to the bank or to the government or to any individual person. If you borrow something from someone you have to pay back it. I have neither respect nor sympathy for people who borrow and not paying back. See what is happening to the higher education loan scheme and JPA scholarship.It's literally insolvent.To pay back a loan is compulsory in every religion