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The tutorial explains how to write a personal loan agreement using docHub PDF. It emphasizes that the form is fillable; users can input information directly into blank fields. The video demonstrates filling out the agreement by starting with the effective date, which is May 24. It introduces the borrower, Johnny Appleseed, and his residence at 123 Apple Way, Apple Bill, Texas. The agreement specifies that Johnny is lending $10,000 to his wife, Nancy Appleseed, who shares the same address. The borrower is required to repay the loan within a year. Overall, it serves as a straightforward guide for creating a personal loan agreement using the chosen format.