Commentary for Ketubot 219:16

לא צריכא דאתא בההוא יומא דמשלם חמש מר סבר עביד איניש דיזיף ליומיה ומ"ס לא עביד איניש דיזיף ליומיה

[This ruling was] was necessary only where [the holder of the earlier document] came [to borrow] on the day on which the five years was over. One master holds a person will borrow money for one day and one master holds that a person will not borrow money for a day.

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