“还清”常见的英文表达有 pay off、repay in full、settle a debt 等，具体使用哪种表达取决于语境：
含义：这个词组最常用的意思就是“还清（债务、贷款等）”，强调完全清偿，不再有欠款。
例句：
They finally paid off their mortgage after twenty years of hard work.（经过二十年的努力工作，他们终于还清了房贷。）
He hopes to pay off all his credit card debts by the end of this year.（他希望在今年年底前还清所有信用卡债务。）
含义：直译为“全额偿还”，更正式、书面一些，明确表示将债务全部还清。
例句：
The company has promised to repay the loan in full within five years.（该公司承诺在五年内全额还清贷款。）
She managed to repay in full all the money she borrowed from her friends.（她设法还清了从朋友那里借的所有钱。）
含义：意思是“解决债务、还清债务”，强调债务得到妥善处理，不再存在。
例句：
We need to settle our debts as soon as possible to avoid any financial problems.（我们需要尽快还清债务，以避免任何财务问题。）
He settled his debt with the bank and felt a great sense of relief.（他还清了银行的债务，感到如释重负。）