I've gone close to 60 day's with out using much of any money...
Maybe it's time? Use them and buy the gear that you need.
Need a loan to buy street music gear and microfone.
Nah, you don't need either a loan or gear. The only and most important thing that you need is a voice! And it's free...
The best thing you can do is to avoid such threads because you ain't going to gain anything from these guys lol