I have a few questions on private loans. I've searched but they weren't comprehensive. Please share your experiences. 1. How easy is it to get one and what are their names and through whom? 2. Up to how much per year? 3. Up to how many years can you get a loan? 4. When do you start having to pay them back? 5. Any private loans deferred? 6. Are the loan rates fixed/variable?