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Mishnah Shevi'it 10:9: הַמַּחֲזִיר חוֹב בַּשְּׁבִיעִית, רוּחַ חֲכָמִים נוֹחָה מִמֶּנּוּ. One who repays his debts after the seventh year, the sages are pleased with him.


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It's perfectly OK, as Joel K already answered, and actually the lender may even peer pressure him to do so. However, the money needs to be given as a gift, and not as repayment of the loan, otherwise, the lender may not accept the money. See the Kitzur Shulchan Aruch in 180:14 who spells out the details. לֹוֶה שֶׁבָּא לִפְרֹעַ לַמַּלְוֶה חוֹב שֶׁעָבַר ...


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Not 100% excluding the possibility that shemittas karka, letting one's land be ownerless, is considered an interpersonal mitzvah (you show the Kesav Sofer seems to think so), I'd like to share that it would seem to be Rav Saadiah Gaon's opinion that this mitzvah is between Man and G-d. In his Azharos based on the Ten Commandments, he classifies the 613 ...


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