Timeframe for Private Loans?

<p>This may be a general question, but you'll have to forgive me considering these loans would be for VT and I'm sure others have these questions.</p>

<p>Anyways, I was wondering when we should take out private loans for VT? </p>

<p>I paid my deposit and have created a PID, but I'm not sure what else to do right now besides Housing, Dining, and Immunization, so I'm kinda concerned about private loans at this point.</p>