1. First and foremost, ask politely
2. Find a way for them to work it off
3. Barter for something they have that you want
4. Drop a subtle reminder
5. Decline certain activities
6. Offer payment plan options
7. Tell them you need the money urgently
8. Paint them into a corner
9. Ask someone close to them to remind them
10. Consider a credit card repayment
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