The term "re pay" refers to the act of giving back the money that has been borrowed or settling a debt. The term has a few antonyms that are worth exploring. One antonym is the word "borrow," which refers to taking money or something else of value with the intention of returning it later. Another antonym is "owe," which implies having a financial obligation to someone else, with the expectation of paying them back at a later date. Another antonym for "re pay" is "default," which is the failure to fulfill a financial obligation owed to someone else. Finally, the word "forgive" can be considered an antonym of "re pay," as it refers to the act of canceling or excusing a debt, rather than repaying it.