Wow...It's been so long. If I were desperate and in need of money, I would probably start thinking about getting a job. If I could not find a job with my qualifications, then I would probably start thinking about receiving an education. If I could not secure a formal education, then I would educate myself utilizing the free resources available to me such as public libraries and the internet. If none of that worked out, then I would probably sell some of my gold.
Get gettin a quick time job is much better than asking for a loan,because that is only gonna increase problem because things like interest and all.
Second option should be selling some stuffs in house which is not that useful for us but may be sell in good price.