If I___to stay at university, I'll probably do a PhD or a master's degree. (decide)
If I decide to stay at university, I'll probably do a PhD or a master's degree.
If you didn't spend so much on clothes, you ___borrow money all the time. (not have to)
If you didn't spend so much on clothes, you wouldn't have to borrow money all the time
I think my sister and her boyfriend__soon, if they can afford to pay for the wedding. (get married)
I think my sister and her boyfriend will get marries soon, if they can afford to pay for the wedding.