I went ahead intending to loan money through MicroPlace. It's a fairly straightforward system of buying securities, but when I attempted to complete my purchase, a notice popped up that said I was ineligible to do so because this financial instrument is not available in my home state, Pennsylvania. I had this problem last year as well. Seems that in 49 states, no problem, but Pennsylvania residents are out of luck. I communicated with MicroPlace and they are working on it and hoping Pennsylvania falls in line soon!