A jr. account doesn't cost as much as 20$.
You are a newbie and can't even ste your "private" reason. Sorry but you will not get a loan in ere unless you can provide another valid collateral with a much higher value. A jr. memer account will only take a month to get and thus it only cost around 0.003 - 0.005 btc.
Ok then I think I need to close this thread as other than that I have no collateral.
But if any one is interested in giving loan he can still contact me through PM.