| Value | Category |
|---|---|
| 1 | I repay in full before the deadline |
| 2 | I repay on the agreed day ? neither before the deadline nor after the deadline |
| 3 | I ask for an extension for repayment |
| 4 | I occasionally fail to repay by the deadline and forget to ask for an extension |
| 5 | I do not borrow money/don?t have loans |