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The new legislation would allow Americans with public student loans to refinance their loans to an interest rate of 0% until December 31, HOUSING PROGRAMS The Zero Interest Fund (ZIF) provides zero interest loans in order to promote housing and economic development. ZIF loans, which are awarded. The NIL program offers zero interest loans to assist students in meeting educational costs. Students have a period of 10 years to repay their NIL loans. Fund your dream with a Kiva US loan. We\'re for real - with 0% interest loans for small businesses in the US, Kiva can help take your business to the next. The Energy Conservation Assistance Act - Education (ECAA-Ed) program provides zero-interest rate loans for eligible energy projects at public school.