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Answering my own doubt. This is pulled from another post.
“This is only true if your monthly payment is lower than the monthly interest. In this case the government subsidizes and you do not accrue interest, but you also do not make progress towards your loan. In the other scenario, which happens to be my case, where the monthly payment is higher than the monthly interest, there is no subsidy, and interest accrues, but I make progress towards my loan.”
Even worse
Modern red suited Santa was reimagined and heavily commercialized by Coca-Cola and Christmas was appropriated from Sol Invictus. Nobody even knows when Jesus was born.
Colonization and commercialization at their best.