The loans, is fraud.
Loans and subsidies are different.
Not everybody gets subsidies.
You should frame your question in a clear manner.
Right.
"A subsidy is a form of financial aid or support extended to an economic sector (or institution, business, or individual) generally with the aim of promoting economic and social policy."
"A loan is the lending of money from one individual, organization or entity to another individual, organization or entity."
So, as pitham1 has said, not everybody can get subsidies. If only we could.
lol.https://en.wikipedia.org/wiki/Loan
https://en.wikipedia.org/wiki/Subsidy