It is against credit policy to use member deposits for purposes of loan repayment. However, special consideration may allow use of member deposit for loan clearance under unique circumstances if it has been determined that the loan borrower has no capacity to pay up his/her loan(s). As a last resort. A member is only allowed to offset his loans against his deposits if he is ceasing to be a member. He must then pay off the loan balance immediately if any. Offsets are only done when a member has asked those he has guaranteed to seek for guarantor replacements.