Performing the Prayer on the start of its time is highly recommended as believe from the actions of the Prophet (SAWA) and Ahlul Bayt (AS) that nothing can be more important than performing Salah on the start of its time. Even when they were fighting the enemies of Allah, they never postponed Salah.
You should not harm the person who did good to you by lending you his money when you were in need. In fact it is recommended to pay him a gift above his original money. Such gift is not obligatory in you but just recommended but you should never give him less than the real value of what he gave you.
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