premise: D : When we got out of the train station , I noticed that THE BANK WAS CLOSED . So no money again . In the end , I wound up borrowing forty bucks from Michele and I have NO IDEA when I ' m going to pay her back : I owe her , Adri , my parents , AND myself , and on this pitiful salary of mine , I do n't have the chance to save so much as a PENNY . What may have caused you to borrow forty bucks from Michele ?
hypothesis: I had to pay my parents back .