Every situation is different with the old loans, have you any CCJ's, are you a home owner, do you have any other means of income, the list goes on!
I am just checking out the best route to raise some funds myself & the cheapest option is to borrow on the equity from my house.
I think doing this i can raise around £25000 @ 3-4%ish which is better than alot of loan rates out there. That should be all i need as i have some savings.
Look at your own situation and work out what is best for you, as said before i do not think OAT have there own loan facility they just direct you to the bank so go there yourself, be prepared!!business plan, looking the part etc
Best of luck with this bit, without the funds the dream is dead!
Happy Flying