This is what I have understood so far- You take 5,000 now, you will have to pay back 5,681 total. After taking your loan, suppose you complete your first project valued $125 and Fiverr deduct 20% fee as usual, then the earning is $100. Fiverr will now deduct 40%, so $40 from your earning and you have $60 now. If there is any Tax in your country, that will be effective on that $60. If not, then you are getting $60 in your balance and you have paid $40 for your loan, now you have $5,641 loan. It continue like this and when your full loan is paid, you are debt free.