Kage no Jitsuryokusha ni Naritakute! - Vol. 15 Ch. 61

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He means to borrow 100 000 at 2% and pay back 20 000 each month which will let you borrow 100k for 5/6 months and pay it up with a total cost of around 6k which sounds pretty reasonable.
You're forgetting that it's 2% monthly meaning that you're just paying back the interest not any of the actual debt.
 

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