No, I would think HHM would be smarter than that. Student loans are pretty predatory, shit interest rates, deferment, capitalization, etc. all combine to make t

No, I would think HHM would be smarter than that. Student loans are pretty predatory, shit interest rates, deferment, capitalization, etc. all combine to make these loans cost way more than they should. HHM could likely either get a more conventional loan or just use cash on hand to pay the tuition up front. With a conventional loan, they could get a more reasonable interest rate, start paying immediately, etc. And there are reason HHM would still take a loan for the amount even if they had cash on hand to pay it up front. It's likely if HHM took any loans, they're technically paid off by now. Kim's debt is solely between her and HHM by this point. How they structured the deal could affect things. They could have charged her like a 3% interest and started the clock the day she graduated and counted every day worked as $X towards her loan. Or a portion of her billing.