I disagree. Everybody can get subsidy. A portion of the taxes could be used for that reason.
But it can only be used for specific cases, unlike with loans where you can mostly spend it where you want.
(e.g. Child Care Subsidy, Health Insurance Subsidy, Subsidized Housing etc)
And they have, Subsidy Eligibility Estimator, it's how your income compares to the Federal Poverty Level.
And here is the important question, how to get subsidy, how many of us can apply for subsidy and where?
Individuals, organizations make big profit on loans, and interest on loans depends from credibility some individual or organization have. That is zillion dollars profit each year for big banks and rich people. They don't wish to give their money for free.
That's the hard part. wew.
