to apologise
[verb]
to express regret or remorse for one's actions or words that have caused harm or offense to others
to apply
[verb]
to formally request something, such as a place at a university, a job, etc.
to borrow
[verb]
to use or take something belonging to someone else, with the idea of returning it
to lend
[verb]
to give someone something, like money, expecting them to give it back after a while
to owe
[verb]
to have the responsibility of paying someone back a certain amount of money that was borrowed
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