Given and ideally shouldn't be paid back (8)
I believe the answer is:
bestowed
'given' is the definition.
(similar in meaning)
'be paid back' is the wordplay.
'paid back' becomes 'stowed' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'be'+'stowed'='BESTOWED'
'and ideally shouldnt' acts as a link.
I am not very happy about this link. Some or all of it may be part of another bit of the clue.
Can you help me to learn more?
(Other definitions for bestowed that I've seen before include "Conferred" , "Given as a gift" , "Granted" , "Gave; presented" .)