If you have borrowed money, you have a legal responsibility to repay the money you owe.
Don’t avoid your responsibility to repay your debts. Are you responsible for someone else debt? You are not legally responsible for paying another persons debt.
You may be legally responsible for other peoples debts by agreeing to be guarantor for a loan.
It is very important to understand the consequences of entering into a loan agreement as a co-borrower as both parties are responsible for repayments.