what made you think that a loan for a PPL is a good idea? Don't get me wrong, I'm not criticizing, just generally want to understand your mindset and decision making process.. do you think you will be better off in a year and will be able to pay for your hour building + interest + loan without any worries?
I can see that last year you thought that you will have the money by February this year, yet it didn't happen, why was that?
Have you thought about consequences of not being able to repay the debt and damaging your credit history?