I agree. And the details of the agreement indicate it would be foolish to pay it off early. First 6 months of interest was preloaded, so no interest until 6 months in. Beyond that, if they pay it off early they're charged a 10% fee which is slightly more than the interest they'll owe over the last 6 months just paying on schedule when it's due. So I would not anticipate the loan being paid back until it's due next year regardless of whether or not they have the funds this year.
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