DEBT

Not strictly an investment per say but I’ve become eligible for a “Trade Support Loan” of up to $22,000 paid over the next 4 years of my apprenticeship. It works similarly to a HECS debt, I pay it off once I reach the wage threshold but with 0% interest. I also retain 20% of the loan if I complete my apprenticeship. It has a 6 month opt in/out and to me seems like a no brainer but a wise man once said there’s no such thing as a free lunch. Is there something I’m missing here in terms of potential risks, I’m just so sceptical when it comes to anything loan related. Would appreciate any advice, thanks!