# Borrowing

Upon providing collateral, users gain the ability to borrow assets of their preference, up to the specified limit determined by their account's collateral factors. Users can choose whether or not they want to use a specific asset as collateral. The total borrow balance for a user is calculated by adding the currently borrowed amount to the accrued interest. It is essential to manage risk while borrowing to prevent the risk of liquidation.

**Repayment Options**

Borrowers have the flexibility to repay any portion or the entirety of their borrow balance at their discretion. Repayment is not obligatory unless the account's health factor is nearing liquidation. In such instances, borrowers must either deposit more collateral or repay a part of their loan to improve account health.
