please help me!

It means that someone is living in circumstance in which that person would not ordinarily be expected to live. If someone has a fatal disease, a disease which can be expected to kill that person, then any time during which they live after they were expected to die is "borrowed time." Also, if someone were threatened with killing by someone else, a government, criminals, rebels, terrorists, etc.--any time during which they escape being killed can be described as "borrowed time."

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