I get that its sold as a "loan" but its not. Its a ~9% tax that only kicks in after ~25k and disappears at 55(or thereabouts) the American system are actual l

I get that its sold as a "loan" but its not. Its a ~9% tax that only kicks in after ~25k and disappears at 55(or thereabouts) the American system are actual loans at commercial rates and terms[1]. apart from you can't bankrupt your self out of them. [1]well its more complex.