April Masini, known as Ask April, explains that people who lend money should directly remind borrowers of their responsibility and avoid treating the loan as a casual favor. She notes that social accountability—such as involving others or increasing awareness—can often encourage repayment, as many individuals feel embarrassed about unpaid debts. While more formal steps like demand letters or legal action may sometimes be necessary, she advises beginning with respectful but firm communication. Masini emphasizes that asking to be repaid is not unkind, but a necessary way to protect one’s financial boundaries while still being mindful of maintaining relationships.