There might be some confusion from the HGVC sales rep. They tend to forget to mention many of the costs of ownership. 10 years may be your loan, but the maintenance fees, and other assorted fees are forever.

Pages 136-142 and page 151 are important to read.
http://multimedia.hiltongrandvacatio...r.cfm?BookId=3

Also, here's some up-to-date articles and information on how HGVC works.
http://www.hiltonloyalist.com/category/hgvc/