Question about interest only loan?

So everyone freaks out when they hear “interest only” loans. But with a regular loan, all interest is lumped to the front of the loan anyway and you end up paying less than a $ 100 a month toward principle anyway. So is “interest only” really that bad?
Oh, how do they come up with a lower monthly payment anyway? I don’t understand that part
To the guy who said you never pay principle ever on an “interest only”…that is not true. Any extra payments you make go straight to principle. Just like a regular loan

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