They pretty much are, 200 pound of interest on 7k is not that bad per year really. But when your on a average salary of 18k per year your paying an extra 500 per year in 'tax' to chip 200 off the balance. Its a stealth tax and something that in someways id wished id just maxed it out and let it get written off but at same time im really glad crypto paid it off. I made that money in a week in 2017.