One who has borrowed an item from someone and promised to return it by a certain date should do so if it would not be difficult to return it on time and the person from whom one has borrowed it has not given permission to return the item late.
Principle
if = sufficient
Wouldn't be hard to return a borrowed item on time should return and → item on time Person you borrowed from didn't extend deadline
Goal
The "if" told us that the trigger was the second half of the statement. We need to be mindful of the "and" because there are two criteria that need to be established before we can conclude that the person "should return the borrowed item on time".
We should remind ourselves that this rule only has the power to prove you should return an item on time (you can only prove what's on the right side of the arrow), so we can summarily reject any answers trying to prove someone shouldn't.