To be honest I would not look for a loan after just one year of riding. It is tempting because sharing lowers the cost per ride. And also because it is ideal to build up a relationship with one particular horse.
But in ones second year of learning to ride, one needs to further one's education, and this means riding several different horses.
At the leading BHS school in our area, I rode 5 horses in my first year. I then moved to another RS and in my second year I rode a further 5 horses there.
I list all the horses I ride (including trail rides in USA) and it now comes to 101. I began to share and to ride the same horse when I had been riding for 8 years.
Also i have ridden a very very wide variety of horses. I have been reared with, bronked with taken off with and bucked off with. I have ridden over 26 horses in the past year.
In the UK this would not be regarded as an acceptible safety level for a new rider in a BHS recognised riding school. I fell off only once in my first year of school lessons and have fallen in the school only twice more in the many years since. I have never been bronked with or bucked off. And the only RS horse that reared with me (out on a hack) was removed from the riding school.
On an internet forum it is not possible to say whether you are provided with suitable lesson horses nor whether your riding contributes to your lack of control and the behaviour of the horses.
But on every forum the great priority is rider safety. This is a serious business as many of us older riders have known people including teenage children who died in riding accidents. Whatever the reality of your riding education, your post does not suggest that you are riding safely.
