your right solar cost money a lot in my case 12 grand,this how i look at it when i lived in no. calif i paid 250 a month, in las vegas i pay 250 .00 a month for electric thats three grand a year in my case the solar paid for its self in three years no more pge,. without obama 30 % federal tax rebate in the first year .so it paid for itself allready.but you allso right getting a loan was hard.but over all it worked for me. i sat on by laptop for four months trying to get a green loan, thanks i had medical mj