Not only did the arrangement of the debt payment plan make it difficult for them to save up to pay back the debt, but it also meant that if they delayed for too long, it was possible for them to pay more than five times the 100,000 energy stones.
This arrangement made it so that the minimum amount that they would have to pay is 100,000, and this would only be the case if they pay the debt before the end of the first month of joining the sect.
If they wait up to 10 years to finish paying the debt, they would need to pay an extra 120,000 energy stones in interest. And if they waited up to 50 years before they finish paying the debt, they would need to pay 600,000 energy stones in interest alone.
So the earlier they paid off the debt, the better. Of course, it was easy to come to this conclusion. Putting this conclusion into action and paying early is another matter that might be beyond their hands.
