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I am afraid to even upvote now. I paid 10 steem to minnowbooster and i got 650 sp .... do I have to pay that back if it gets used? Is it borrowed and then I owe more?

No. You don't have to pay back for any votes you make. You can use it however you want. You paid the lender for it when you sent the 10 STEEM. That is all you need to pay.

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