借金

1. Origins, structure, and basic meaning

• Structure: Written 借金 and read しゃっきん, it refers both to borrowing money and to the debt that remains to be repaid.
• Basic usage: It appears when funds are borrowed from a bank and when the resulting debt is paid off through work.

2. Common pitfalls and similar expressions

• Borrowing event versus outstanding debt
  • An expression about taking out debt focuses on the borrowing event, while repaying debt treats it as the remaining obligation.