I think hospital allows repayment by installment. I was once ask by the dental clinic whether I want repayment by installment  for the dental implant. For other hospitalisation,  if pay by medisave, one do not need to pay much cash.

I got one NS mate whom I'm not close with still owes me money till this day.    Next time someone asks me for money, i just say I spent it all on atb liao

Easy what. Last time meet so many. Bang and block

Accent sound local. JHB got an accent just like ATB. Unless she young is in Spore and finally get rid of the accent.

Just say no. I never lend money. Few friends I just gave cos i dont want drama   say you need urgent eye and penis reattachment surgery