<prompt> Hlalosa kamoo motho a ka kenang sekoloto kateng.nan  <response>: Instruction in English: Describe how a person can incur debt. . Response in English: A person can incur debt by borrowing money or using credit to purchase goods or services that they cannot pay for in full at the time of purchase. This can happen in various ways, such as taking out a loan, using a credit card, or buying a financed item such as a car or a house.For instance, if someone wants to buy a car but does not have enough cash to cover the full amount, they might apply for an auto loan. If approved, the lender gives the individual the money to buy the car, and in turn, the individual agrees to repay the loan plus interest over a period of time. Until the loan is paid in full, the individual is in debt to the lender.Credit cards work similarly. When someone uses a credit card to pay for something, the credit card company pays the merchant for the purchase. The individual is then responsible for paying the credit card company back. If they do not pay the balance in full by the due date, they will incur interest charges on the remaining balance, and this becomes their debt.Debt can also come from unpaid bills or expenses, such as medical bills or a back taxes. If these bills are not paid, they may be turned over to a collections agency and become a debt that the individual owes.Ultimately, debt is the result of spending more money than one has, and it is important to carefully manage borrowing and spending to avoid incurring excessive debt. . Response in Sesotho: Motho a ka kena sekolotong ka ho alima chelete kapa ka ho sebelisa mokitlane ho reka thepa kapa litšebeletso tseo a ke keng a khona ho li lefella ka botlalo ha a reka. Sena se ka etsahala ka litsela tse sa tšoaneng, tse kang ho alima chelete, ho sebelisa karete ea ho reka ka mokitlane, kapa ho reka lintho tse tšehetsoang lichelete tse kang koloi kapa ntlo. Ka mohlala, haeba motho a batla ho reka koloi empa a se na chelete e lekaneng ho lefella chelete eohle, a ka etsa kopo ea kalimo ea koloi. Haeba e lumeletsoe, motho ea alimang chelete o fa motho eo chelete ea ho reka koloi, me ka lehlakoreng le leng, motho eo o lumela ho lefa sekoloto le tsoala ka nako e itseng. Ho fihlela kalimo e lefshoa ka botlalo, motho o na le molato ho mofani oa chelete. Likarete tsa ho reka ka mokitlane li sebetsa ka tsela e tšoanang. Ha motho a sebelisa karete ea ho reka ka mokitlane ho lefella ntho e itseng, khamphani ea karete ea ho reka ka mokitlane e lefa mohoebi bakeng sa ho reka. Joale motho o na le boikarabello ba ho lefa khamphani ea karete ea mokoloto hape. Haeba ba sa lefe chelete e setseng ka botlalo ka letsatsi le behiloeng, ba tla ba le litefiso tsa tsoala cheleteng e setseng, me sena se fetoha sekoloto sa bona. Sekoloto se ka boela sa tsoa likolotong tse sa lefelloeng kapa litšenyehelong, tse kang likoloto tsa bongaka kapa lekhetho la morao. Haeba likoloto tsena li sa lefuoe, li ka na tsa fetisetsoa setsing sa pokello ea chelete me ea e-ba sekoloto seo motho a se kolotang. Qetellong, sekoloto ke phello ea ho sebelisa chelete e ngata ho feta eo motho a nang le eona, me ke habohlokoa ho laola ka hloko ho alima le ho sebelisa chelete ho qoba ho kena sekolotong se feteletseng. 