[Ferret7446]

Why? It's literally free money. Stick it into an low risk investment account or even a money market account, give it back at the end and keep the interest.

People should be held accountable for their own stupidity, and it's not like the company did anything deceptive AFAIU. If an adult doesn't understand what a loan is then that's on them (or their education, but that doesn't absolve their responsibility).