Are banks limited to lending only a certain percentage of their deposits or can they borrow more from the Fed?

I understand that banks lend out their deposits as loans but are they limited to only a percentage of their deposits or can they borrow more money from the Fed if they have a large loan request that exceeds their demand deposits? If so why do banks need demand deposits anyway since they can borrow the money from the fed anytime they want?

Are there any lending agencies who are willing to extend financial aid to students (personal loans)?

I’m a student and I need to borrow money but I can’t find any lending agency who can do it because I’m not yet employed. How do I got about this?
By the way, I’m from the Philippines. But thank you for all your other suggestions. =)

what is the formula used by lending institutions?

when you borrow money there is a formula to determine the amount of monthly payments for a period of time.is it the rule of 72?whatever it is what is it expressed as a formula.
or is it PRT=x?

How do I find a ligitimate debt consolidation loan?

I am looking to take out a loan to pay off about 00.00 in credit card debt. Unfortunately, my credit score is pretty low. How do I find a reliable place to borrow money from? I understand that my interest rate will be higher. I'm just not sure where to begin looking or where to start for that matter. thanks.

Has anyone ever borrowed money from a personal lending web-site?

I read an article in the paper about these personal lending web-site like "the lending club" where you can borrow or lend money to people instead of a bank.
Have you ever tried it? If so, what's your opinion on it?