> For the complete documentation index, see [llms.txt](https://docs.swaylend.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.swaylend.com/borrowing-base-asset/borrow-and-repay.md).

# Borrow & Repay

The base asset can be borrowed, and the amount borrowed must align with the borrowing collateral factor requirements. If a borrowing account fails to meet these requirements, it cannot borrow more assets until it either:

* **Supplies additional collateral** or 
* **Reduces its borrow balance**

Understanding these factors is crucial for maintaining borrowing capacity and ensuring compliance with the protocol's rules. At any time, users can repay their debt partially or in full. When the account's borrow balance reaches zero, it means that no additional interest will accrue.

{% hint style="info" %}
When repaying outstanding debt, users must either repay the full amount or ensure the remaining borrow balance is above $10. The protocol does not allow for an outstanding debt of less than $10. If your repayment would reduce the debt to less than $10, the repayment action will not be processed.
{% endhint %}


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