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Thank you for this caveat.

Yes, that is true. Governments typically don't pay off the principal on their loan - more specifically, as soon as the loan matures, they take out another loan.

This is not a problem if you've got some 30-year bonds maturing (As a dollar borrowed 30 years ago is trivial to pay off today), but this is a big problem if most of your debt is in the form of rolling, 1-year, or 3-year bonds.

This is still quite different from a mortgage you need to renegotiate every 5 years, or where the interest rate is pegged to prime + X%.



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