Whining.

when the family took out a loan of 5,000 rubles, it somehow grew to 200,000.

That's impossible. But if they took out a loan of 50,000, it could grow to 200,000 if the interest rate I mentioned is increased slightly. Oh, or maybe there are some special interest rates for late loan payments; I'm not very knowledgeable about how that works and how much it could add up to.