KOREAN VERB

갚다

to repay, to pay back (a debt, a kindness)

Conjugation

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현재 · now and habits: polite, formal and casual speech

Form	Polite	Formal	Casual
AffirmativeI repay
NegativeI don’t repay

과거 · finished actions: 갔어요, 갔습니다, 갔어

Form	Polite	Formal	Casual
AffirmativeI repayed
NegativeI didn’t repay

미래 · plans and guesses: -(으)ㄹ 거예요

Form	Polite	Formal	Casual
AffirmativeI will repay
NegativeI won’t repay

높임말 · to or about an elder: the -시- forms

Form	Polite	Formal
PresentI repay (respectfully)
PastI repayed (respectfully)
FutureI will repay (respectfully)

연결 어미 · and, so, if, because, but: joining two sentences

명령형 · -(으)세요, -(으)십시오, the casual form, -지 마세요

One sentence for each tense, the way people say it.

Present

저는 매달 월급에서 학자금을 갚아요.

Every month I repay my student loan out of my salary.
Past

민준이한테 빌린 오만 원 드디어 갚았어요.

I finally paid back the fifty thousand won I borrowed from Min-jun.
Future

다음 달 월급 받으면 꼭 갚을 거예요.

When I get next month's pay, I'll definitely pay it back.
Honorific

아버지는 집 대출을 이십 년 만에 다 갚으셨어요.

Dad paid off the house loan after twenty years.
Connectives

빚을 다 갚으니까 마음이 가벼워요.

Now that I've paid off the debt, I feel light.
Requests and commands

급한 돈 아니니까 천천히 갚으세요.

It's not urgent money, so pay it back slowly.

The lessons that teach a form of it, and how they say it.

Fluency Level 2 · 말 한마디에 천 냥 빚도 갚는다. · 그래서 무슨 말로 갚았어?

The same pattern, on other verbs: verb.