The price of a subsidised loan has increased as the subsidy has fallen while the face value of the asset the loan's for purchase of, an asset that's blown up on financing that's been almost free (as in interest, the return on capital) for a decade+ baked with a myriad of sticky price perceptions not least vested middle class (voting class) interest to maintain its inflated discounted present value, hasn't changed much.
You're not going to like this. I don't like it either. But for our own good we have to get used to the idea of hyperinflation.