This so clear riba! Any loan with profit on tip of it is riba and it is a major sin

am a kenyan muslim.the government is offering money to the youth groups at a flat rate of 3% i.e for every sh100 am given i have to pay sh3 on top of it.sheikhs we asked told us that if its at flat rate that wont change in the future its ok but i have doubts.kindly advise me.

Islamic economy | June 17, 2014 6:00 am
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It is not allowed to take or give money with interest. But in case where we have no other option except that we must pay back with interest amount. Can one take that loan? Or is there any alternate option?
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Suppose If my brother has some DEBT and he died before pay it and he suggested me to pay his debt. And the amount is big so it may take some time to return may be one year or more. Now in this in between period he will be punished in the grave until we pay it? Please explain.