Stop thinking of loans before you can earn decent money. Did you really expect to get here some magic pill which will allow you to sit at home and doing nothing?
Loans are for those who know what to do with their money, but definetely not for the lazybones, Some credit card can just postpone your paying the bills, but it will not eliminate the necessity for work. If I were in your shoes, I would think of starting a business and a loan is a good decision for the investment. You’ll work for yourself and earn good money, if you are dilligent enough of course.