The expression "pay it forwar" is used to describe the concept of third party beneficiary in which a creditor who offers the debtor the option of "paying" the debt forward by lending it to a third person instead of paying it back to the original creditor. Debt and payments can be monetary or by good deeds. In sociology, this concept is called "generalized reciprocity" or "generalized exchange". A related transaction, which starts with a gift instead of a loan, is alternative giving.