Yeah, if the receiver of the capital is already rich and/or well-connected. If you're not in the top 10%, all you get is 10%+ APR credit cards, payday loans and other usurious crap.
Government subsidizes home loans, student loans, and small business loans to the tune of hundreds of billions of dollars a year through the Fed's asset purchase program. The reason broke people can't get anything better than a 10%+ APR credit card is because they're so unlikely to repay the loan that the issuer has to charge that much interest to break even.
I actually took a look at my banking app and I'm offered "personal loans" up to $20k at under 6%, which is actually incredible considering this is an unsecured loan to a random person.
Even with the federal loan systems you mentioned, they’re making a profit each year.
Of course since the government made it so you can't discharge student loans in bankruptcy that market isn't functioning anymore.