Bandwidth Using VPN

While using a VPN my Internet speed is taking a 64%+ hit.

For example - the speed test that I did today (1-28-21 at 3:30 pm Eastern) on speedtest.net shows that with my VPN off I'm getting 240 Mbps download speed. With the VPN on, it drops to 85 Mbps.

Yes, I'm aware that using a VPN (extra server, encryption) will cause a "perfomance hit". But seriously, 64%?

Also have already tried several other servers, all of the different protocols available as well as different times (morning/afternoon/evening). While different things have made the VPN connection worse, nothing has made it better.

One of my main concerns is whether Xfinity is throttling my conection when the VPN connects.