I agree with that cause the interest for the certain amount that you borrowed will be more than halfnof it usually, if subsidies were applied in different ways and entities in the society the expenses of a person maybe lessen which he or she may used in useful things. I think loans were for giving us the temporary money in which the return will double if we dont commit in the certain date. As a young person I chooe to work here than being involve to loans that I may used in starting up a business.