Here are some English phrases that try to capture the essence of "utang na loob":
* Debt of gratitude
* Sense of obligation
* Moral responsibility
* Feeling of indebtedness
* Reciprocal duty
* Bound by kindness
While these phrases convey the general idea, they don't fully capture the cultural nuance of "utang na loob." It's a complex concept deeply rooted in Filipino culture and represents a strong social bond.