All I want is my rep to be what it should be, positive.
-snip-
I'm pretty sure that after 6 individuals assessing you and having the same conclusion that you're in no position to make those kinds of statements. Your reputation currently is what it should be, negative.
I don't need to make 20 posts, I just need my loan for my tuition.
Nobody will buy into that story.
What lesson do I need to learn?
Don't ask for loans without collateral, do not ask or even think about scamming.