I would use "always borrows" and "never remembers".
Student or Learner
A: Do you know Jane?
B: Of course I know her. She “always borrows/is always borrowing” money from me but “never remembers/remembering” to pay me back.
-In the "", which should I choose? Or, either one? What's the difference of them?
Is always borrowing/never remembers also works for me.