<prompt> Translate the following text to EnglishKohlers Dictionary inasema, Gharama ya ruzuku ya mikopo ni gharama ya muda mrefu inayokadiriwa kwa serikali ya mikopo ya moja kwa moja au dhamana za mkopo, ikihesabiwa kwa msingi wa thamani ya sasa ya usawa, isipokuwa gharama za utawala.  <response>: Kohlers Dictionary Credit subsidy cost is the estimated long-term cost to the government of direct loans or loan guarantees calculated on a net present value basis, excluding administrative costs. 