There are several synonyms for the term "I O U" that can be used to indicate an unpaid debt or obligation. Some of the most common synonyms include "promissory note," "bond," "acknowledgement of debt," "payment agreement," and "voucher." In addition, there are many informal expressions that can be used to convey the same meaning, such as "tab," "chit," "slip," and "note." While the use of "I O U" is generally seen as a friendly or informal way to acknowledge a debt between friends or acquaintances, the more formal synonyms are typically used in formal legal or financial agreements. Ultimately, the choice of synonym will depend on the context in which it is being used.