<p>Instead of continuing to defend my need for a private loan, I’m going to ask again that people PLEASE address the questions in the OP! I do appreciate everyone’s concern, so thank you.</p>
<p>And thank you, endof18, for the on-topic feedback about your own experience asking this question. I’m interested in more than just interest rates. Just take a look at the link in the OP to see what all that calculator considers. I’m sure there are more things to consider in addition to that as well, which is exactly what I’m trying to find out by asking here.</p>