pay off可以用作主动也可以用作被动，作主动时以人为主语；作被动时以物为主语，加be动词，即be paid off。
例句：
I can guarantee that he will pay off the debt.
我可以保证他会还清债务的'。
It is far better to pay off old debts steadily by living within your means.
量入为出地一步步偿还旧债，这个方法要好得多。
No bank could ever pay off its creditors if they all demanded their money at once
如果所有的储户同时要求提取存款，没有哪家银行能办得到。
All of the debt was paid off.
账都还清了。
Finally my efforts paid off!
我的努力终于有了回报！
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