How To Predict If People Will Pay You Back

“Generally, if someone tells you he will pay you back, he will not pay you back. The more assertive the promise, the more likely he will break it.”

The next time you consider loaning somebody something, you might want to read this first.

New York magazine details a recent study that examined how likely borrowers were to pay back loans on a peer-to-peer lending site.

The study found that the words people use when asking for a loan can predict how likely they are to pay back the loan.

For example, if somebody uses words like “God, promise, will pay, thank you, and hospital” — you’re probably not getting your money back.

If they use words like “debt-free, minimum payment, lower interest rate, after-tax, and graduate,” then there’s a good chance they will repay you.