Ano'ng mas mahirap, mangutang o maningil ng utang?

Read more here: https://community.theasianparent.com/q/anong-mas-mahirap-mangutang-o-maningil-ng-utanganswer-qotd-get-chance/3339583
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Mangutang
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Mahirap both though mas pinakamahirap ang maningil. Ayaw na ayaw ko un kasi responsibility un ng nangutang so dapat responsibility niya na magbayad on or before na sinabi niya kung kelan siya magbabayad.

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