So don't let the interest accumulate. Taxes on the income needed to cover the interest wouldn't be all that high compared to taxes on the full amount of the loa

So don't let the interest accumulate. Taxes on the income needed to cover the interest wouldn't be all that high compared to taxes on the full amount of the loan. Or the loan can just be interest-free, but then you pay tax on the foregone interest as if it were income.