Ah studentships and paperwork. Absolutle pain in the arse. I'm into the last 8 months of a 3year PhD, one of the 2 institutes that I'm with only accepted I existed within the last 3 months.... I'm owed about €16,000 in unpaid scholarship payments and being tossed around by beurocracy like some little rag doll because people want in on my research to boost their own positions. I hope you get your loan sorted fella, Uni is the greatest experience I've had to date.