<prompt> Translate the following text to SwahiliAdapted from OMB Circular A-11 Direct loan subsidy cost is the estimated long-term cost to the government of direct loans calculated on a present value basis, excluding administrative costs.  <response>: Kutokana na OMB Mzunguko A-11 Gharama ya ruzuku ya mkopo wa moja kwa moja ni gharama ya muda mrefu inayokadiriwa kwa serikali ya mkopo wa moja kwa moja, iliyohesabiwa kwa msingi wa thamani ya sasa, isipokuwa gharama za kiutawala. 