Thank you: You can thank the other party for being willing to repay, but you should remind the other party to pay off the arrears first to avoid generating more interest and late fees.
Remind the risk: you can remind the other party of the possible risks and difficulties of the loan and ask whether the other party has other repayment sources.
Emphasize responsibility: you can emphasize that the other party has the responsibility and obligation to repay, and remind the other party that if it fails to repay in time, it may have a negative impact on the credit record.
No matter which way you answer, you should be calm, objective and polite to avoid unnecessary disputes or conflicts.