(Just wondering), How would 500 credits help you buy scripts when you only have about 1850 credits? The least number of credits you need is 7000 to make a paypal payout. It would make a lot moresense if you wanted 5000 credits which would leave you at 6850 credits, only 150 shy of being at enough for a paypal payout.
Still, you should probably give the lender 10% back of what they lent you (at least) because 2 years is a lot of time.