Your loans now total more than $ 1 Trillion. This is not a problem as you need to invest but additional loans may carry a higher interest percentage and every new loan will be at a higher rate. You may pay loans back early but this carries a 1.5% penalty. If you are not interested in the details of loans, the system will do it for you. It will take loans for you when the cash goes under zero. It also pays loans back when they are due.