How about I borrowed 20 bucks from my best friend 15 years ago and to this day I've never paid him back. I'm sorry Tom.
Did you ever talk about this with your friend?
No, I was hoping he would forget about it.
Even though it's not that much money you still should have paid it back. You can still pay him back now.
That would be embarrassing.
It would be find to pay Tom back now, especially if you actually feel bad for not paying him back. Borrowing money without paying it back is not okay. It's never to late to right a wrong.