Msaada not secured,,, not acquired loan

Guys naomba niulize,,, hvi hayo majina ni wote walioomba mkopo au ni wale first year tu... maana kama mimi ndo naingia 2nd yr lakin ndo nimeomba kwa mara ya kwanza mkopo... so cjajua lile neno freshers wanamaanisha waombaji wote wa mara yakwanza au first yr pekee.... pia nawafaham watu wengi sana ambao situation yao ni kama yangu na wao majina hamna,, so kama kuna mtu humu nae ni continuous student na amepata mkopo jitaje...
halafu kuna thread nmepitia nmeona mtu kataja not acquired je hlo neno nalo lipo,,,,???