Joseph: These are Mishnayos. You should learn them.
The lender can’t ask for payment. The borrower can try to pay. The lender has to say “Meshamet Ani”. The borrower can then say “Af Al Pi Kein” and it counts as a repayment, not a gift. And the Mishnah says that “Ruach Chachamim Noche” from someone who repays the debt that passed Shmitah.