interest problem aswell? ouch.. living life in conteporary society is going to be hard for you guys for real.
Do you have a bank account? it accumulates interest, banks don't hold money, they invest in securities which offer a yield, even if you choose not to accept this payment your money went to fund these investment projects which yielded nominal interest returns
Do you shop at supermarkets? part of their short term cash influx goes to finance short term liabilities which pay interest
do you use public transport? the government use capital markets to issue debt and pay ineterest on the bonds which are financed by your spending on transport costs
you can go on for nearly everything. the way the capitalist system is financed is through the transfer of money. lending money with a premium, to compensate for the risk of default.
Not encouraging you to go take out a loan but it's the reality. Given, the vast majority never pay back even the face value of the loan, as it gets written off after 30 years, there's little credibility in giving up your future 'suposedly' because you're afraid of the interest charged on repayments. Given it's going to average 4-5% (consisting of CPI+3%), we're screwed regardless