This is the fact and no one is there to give you loan if he/she/it is not satisfied with your ability and capacity that you can pay him/her/it back. To get loan at first you must make ensure your loan providers.
You knew that loan makes other rich. Then will you take loans??
The answer is yes. Loan is essential for higher studies, to start new bussiness, projects, to boy houses/cars/any expensive materials. At first most of us can't have lumpsum cash in hand. If we have no money then stare only? That's bad. Because these days loan providers give oppournity to pay their loans on installment basis. If you show your strong proposal, then you can certainly get loans.
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