Unit 21: English You Need
Exams, news, pronunciation, teachers' tips, learners' questions
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Session 5
Learners' Questions
Welcome to Learners' Questions - the series where we answer your queries about the English language. What will this week's learner question be?
Activity 1
Learners' Questions
Owe, lend and borrow
Omar in Somalia says: How can I use the word owe when I lend someone some money? Do I say I owe you $20 or do I say you owe me $20?
Watch the video and complete the activity

Dan
Hi guys! Dan from BBC Learning English here with this week's Learner Question. Find out what it is after this.
OK! This week's Learner Question comes from Omar from Somalia, who asks: How can I use the word owe when I lend someone some money? Do I say I owe you $20 or do I say you owe me $20? How do I use this word in both ways such as when I borrow money from someone or also when I lend someone some money? Wow, Omar. That’s one heck of a question. Let’s see if we can answer it for you, ok?
So, if you borrow something, you take it from somebody for a limited time. The preposition is from. For example, I borrowed £5 from my brother. Or, many of his ideas are borrowed from other sources.
Now for lend. Lend is give, you give something to someone for a short or limited period of time, but they’re expected to return it! It has two objects. You lend something to someone or you lend somebody something. For example, my brother lent £5 to me. That’s verb, direct object and indirect object. Notice the preposition to - £5 to me. Or, my brother lent me £5. That’s verb, indirect object and direct object. No preposition. Money is lent by banks to people.
Now for owe. Owe is what must be returned. It results from the borrowing or lending. It can also have two objects. So you owe somebody something or you owe something to somebody. And there’s no difference.
So, using our previous example, I borrowed £5 from my brother so I owe my brother £5. Or, my brother lent me £5 so I owe £5 to my brother. And you can change it if you want to. So, I borrowed £5 from my brother so I owe £5 to my brother. Or, my brother lent me £5 so I owe my brother £5. And it’s all the same! So, don’t stress.
I hope that answers your question Omar. Thank you very much for writing to us. If anybody else out there has a question for Learners’ Questions, you can email us on: learning.english@bbc.co.uk. Please remember to include Learners’ Questions in the subject box and your name and where you’re writing from. Now, we get a lot of emails, guys, so we can’t possibly answer all of them, but we do read every single one. And for more information, go to our website bbclearningenglish.com. That’s it for this week’s Learners’ Questions. I’ll see you next time. Bye!
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Summary
Borrow
If you borrow something, you take it from somebody for a limited time. The preposition is from.
I borrowed £5 from my brother.
Many of his ideas are borrowed from other sources.
Lend
Lend is give, you give something to someone for a short or limited period of time. It has two objects. You lend something to someone (verb, direct object and indirect object) or you lend somebody something (verb, indirect object and direct object. No preposition.).
My brother lent £5 to me.
My brother lent me £5.
Money is lent by banks to people.
Owe
Owe is what must be returned. It results from the borrowing or lending. It can also have two objects. So you owe somebody something or you owe something to somebody. And there’s no difference.
I borrowed £5 from my brother so I owe my brother £5.
My brother lent me £5 so I owe £5 to my brother.
I borrowed £5 from my brother so I owe £5 to my brother.
My brother lent me £5 I owe my brother £5.
To do
Try our quiz to see what you've learned about this topic.
Learners’ Questions Quiz
4 Questions
Decide if these sentences are correct or incorrect
Help
Activity
Decide if these sentences are correct or incorrect
Hint
Borrow is take.Question 1 of 4
Help
Activity
Decide if these sentences are correct or incorrect
Hint
You owe something to somebodyQuestion 2 of 4
Help
Activity
Decide if these sentences are correct or incorrect
Hint
Lend is give. Do you give from someone?Question 3 of 4
Help
Activity
Decide if these sentences are correct or incorrect
Hint
Borrow something from someone.Lend something to someone.Owe something to someone. Owe someone something.Question 4 of 4
Excellent! Great job! Bad luck! You scored:
End of Session 5
Well, that's it for this unit! Join us again in Unit 22 for more Exam Skills, News Review, Pronunciation in the News, The Teachers' Room and Learners' Questions!
Session Vocabulary
Borrow
take for a short or limited period of time
borrow something from somebody
Lend
give for a short or limited period of time
lend something to someone
lend someone something
Owe
what must be returned after borrowing or lending
owe something to someone
owe someone something