brought to you by the state of New York https://www.yahoo.com/finance/news/york-lawmakers-approve-free-middle-100142846.html
A state where they will put dormitories on the campus of a community college meant to serve one small county. Against the wishes of nearly everyone. But money passes hands so I guess it's okay.
If paying back the benefit means paying back the exact dollar amount then that's an interest-free loan.