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    #1

    By, until

    I chose by to finish the following sentence.

    "You have by the end of the year to settle your loan."

    But the model answer is until.

    Any opinion from you all?

    Thank you.

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    #2

    Re: By, until

    "Until" is correct.

    "By" is correct if worded like this:

    "You have to settle your loan by the end of the year."

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    #3

    Re: By, until

    Quote Originally Posted by SoothingDave View Post
    "Until" is correct.

    "By" is correct if worded like this:

    "You have to settle your loan by the end of the year."
    Do you mean by the end of the year must be put at the last of the sentence? If I put it in the middle of a sentence, it is wrong in grammar?
    Last edited by Barb_D; 04-Jun-2014 at 13:50. Reason: fixed quote format

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    #4

    Re: By, until

    I meant what I said. Both of these sentences are correct:

    You have until the end of the year to settle your loan.

    You have to settle your loan by the end of the year.


  1. Matthew Wai's Avatar
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    #5

    Re: By, until

    Quote Originally Posted by SoothingDave View Post
    You have until the end of the year to settle your loan.
    It seems to me that the debtor doesn't have to settle it after the end of the year, am I wrong?

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    #6

    Re: By, until

    Quote Originally Posted by Matthew Wai View Post
    It seems to me that the debtor doesn't have to settle it after the end of the year, am I wrong?
    Yes, you are wrong. The end of the year is the deadline. After that, there will be penalties. Financial, if from a bank. Broken legs if from a loan shark.

  2. Matthew Wai's Avatar
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    #7

    Re: By, until

    Quote Originally Posted by SoothingDave View Post
    You have until the end of the year to settle your loan.
    It seems to me that the construction of the above is the same as that of "You have until the end of the exam to study hard" which should mean that the addressed person doesn't have to do so after the end of it, am I wrong?

    Quote Originally Posted by SoothingDave View Post
    a loan shark.
    "Usurer" is described as "old-fashioned" in dictionaries, is "loan shark" a fashionable term?
    Last edited by Matthew Wai; 04-Jun-2014 at 12:54.

  3. MikeNewYork's Avatar
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    #8

    Re: By, until

    I don't see how one can study during the exam. If one is studying for an exam, one has until the beginning of the exam to study. After the exam, one will probably begin studying for the next exam, and so on.

    "Loan shark" is a well known term, at least in AmE. "usurer" is not common.

  4. Matthew Wai's Avatar
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    #9

    Re: By, until

    Quote Originally Posted by MikeNewYork View Post
    I don't see how one can study during the exam.
    One can study during the exam period if it lasts for certain days.

    Quote Originally Posted by MikeNewYork View Post
    After the exam, one will probably begin studying for the next exam, and so on.
    After the exam, one will probably have a holiday before resuming studies. I guess so.

  5. MikeNewYork's Avatar
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    #10

    Re: By, until

    OK, if the exam goes on for days, that is possible. I have only experienced that in medical specialty boards.

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