so in order words a newbie can't ask for a loan here ? is that it ?
Now check that op scammed the fund and wasted a lot of time on the lender (Edward) as well as the community just by taking an extension. If anyone gives any loan to you and you will do the same and the lender will be the loser. So, no one will give you any loan and you will not be able to take any loan from the community.