Good luck to LZ! ! !
If the school says so, it can only be really difficult to do. However, you can still ask the counselor (the class teacher, the person in charge of daily affairs) to reflect that you really want this loan, take a chance and see if they can find a way to help you. If not, it is even more hopeless. Try it, you can only treat a dead horse as a living horse doctor.
In fact, this loan is not easy to handle, and it is also related to the reputation of the school. Well-known schools are more likely to borrow money from banks.