We have all had need for extra money at one point or the other,we get broke,we have emergency needs (sometimes for luxury commodities) as a result the need to borrow money either from friends,banks,family members,acquaintances et al
Money is ultimate means to test a person's integrity unfortunately many friendships have been lost,connections destroyed and families broken because someone borrowed money and 'refused to pay back'.
These are the best ways to be a good. 'debtor' and retain your integrity even if you don't pay back when due

1.Make your promises based on worst case scenarios if a friend or family member wishes to know when you will be paying back,if you are usually paid your salary on the 28th of every month,look at a situation whereby you don't get paid as when due. "I'll pay you first week of next month" is an ideal answer

2.If anything changes inform the creditor:Things happen,from accidents to illness to robbery there are different reasons why you mayn't pay when due. But every friend/family creditor would appreciate it if he/she can be informed or reassured from time to time when these change of plans pop up.Failure to do so would make the creditor feel he/she has been conned. Don't ever be delusional that your creditor has maybe forgotten,they never do!they may will not talk about it for years if you don't until the day you need their help,again. By then you'll categorise him/her as wicked

3. Offer to pay in bits: if the amount in question is overly large you can offer to pay in bits,especially if your income is no where near the amount owed. The creditor maybe frustrated about that but he/she would eventually accept especially in view of your being keen to pay up the debt

4. Don't be a serial 'borrower' : Even if you pay debts promptly never make borrowing a habit. Else creditors become your lord and affiliate your successes to themselves. It's better to borrow N120,000 at once than borrow N12,000 every month from the same creditor

5. Robbing Peter to pay Paul isn't all that bad: If you have a creditor breathing down your neck or a due date for payment is approaching and the cash your expecting hasn't arrived,borrowing from someone who will be of less pressure isn't so bad. You'll be buying your time of payment as a result.
NB: Don't make your new creditor know your using the money to settle the old one

The richest countries and people borrow,the relationship during and after the transaction has been made is what matters.God bless your hustle