bobmac
Major Champion
Sorry to burst your bubble but it ain't free until it has paid for your outlay/debts and interest/loss of interest on savings/etc buddy.
But at least it will be free one day.
Or he could continue paying his gas and electricity bill for ever.
I think of it like buying a car, any car.
Pay cash for it or buy it in installments that will never end.
His money, his choice.