The key answer of exercise 3

a)

1. F → She borrows small amounts each time but they add up to quite a lot.
2. F → Next week, after she's been paid.
3. T → He says that she's said she'll pay him back before.
4. F → He suggests she pays back however much she can afford each week.

b)

He follows all the tips. He says clearly at the beginning why he wants to talk to her. He's specific, reminding her that she said she'd pay it back later once before and telling her that he feels annoyed. He doesn't say what anyone else thinks. He gives her space by asking 'Do you know what I mean?' He suggests a solution.