Apparently you need to read the TEXT of the bill.
Illegal or not this is knocking on the door and only awaits the Vote by the Senate.
If you do so you owe this additional "interest" (in sweat equity). If you don't care to do the work, or you find that it conflicts with your religious obligations or beliefs, then you can't get the loans, or if you do, not at the lower rate.
That means you must pay more for the same privilege as those who own the state.
The Moslems call this a "jizra", or surtax, on non-Moslems.
Somehow I'm not surprised at all to see the jizra popping up in this regime's bundle of goodies.