Thanks for the heads up — we just shipped exactly this fix. The error message now breaks down the math (loan owed + network fees = total needed) AND has an 'Ask the agent why' button that walks you through it in.
Try /repay again and let me know if it still feels unclear.
One of the recommendations as a user would be to give a little more explanation of transactions error. I was trying to repay my loan but couldn’t because didn’t have enough to cover gas fees or something but couldn’t understand what the error was exactly. Tried grok and it explained me about the error. It worked later on.