If you cannot find your library book or other library material, do not panic. Search everywhere at home and ask everyone at your house if they have seen the book. Sometimes someone moves the book and they know right where it is. If you cannot find the book at home check with your bus driver, your teacher, your daycare provider, and your friends. Maybe one of them knows where the book is. If no one can find the book, you will have to pay for it. However, the good news is: if the book is found (by anyone) your money will be refunded.
If the book is expensive you can make small payments until the fine is paid. Some students pay a quarter each day, or a dollar each week until the book is paid for.