OOC: Maybe I'm confused, but I don't think there'd be a repayment plan if we went with the loan? (sounds contradictory, but the loan+interest would be paid out of our treasure, prior to us getting the cash, or if we RP'd the loan, we'd sell our loot, and then repay whoever gave us the loan, I'm guessing that'd end up being Deves, as he seems like the head of the "Family" here in Callenburg.
Either way, I'll follow the majority on this. After reading up one some stuff (how to actually play), I'm going to be making some purchases, but even if I give the 50gp towards the wand, the leftover should cover anything else I need to buy. I'd like to run some of my ideas by someone (through PM as not to clutter up the threads) if someone would like to volunteer?