With the large stimulus recently passed by the federal government, there is an abundance of money set aside by state programs for renewable energy loans. These loans are becoming more and more readily available, and are offered at low fixed rates. With the energy savings associated with geothermal heating, the principal and interest of the loan can be paid, and then some. Many homeowners are enjoying a geothermal heating system without the large upfront fee, and are still in the positive with money while paying back the principal and interest on the loan.