Hey at laura, I can identify with your situation a little. I'm not a beginner but I would class myself as a novice as, even though I've been riding over 10 years, I have let my confidence hold me back. I only decided to start loaning after getting back into it 2 years ago and, while it should be straight forward, it isn't. Loaning when you've never loaned before automatically sets people off on the back foot and I got refused a lot when looking for my first loan as I didn't have experience and as
@KP nut says people didn't really have time. Then you've also got the situation of what you do once you have the horse. Unfortunately, the horse world isn't always full of nice people and people will watch to get the measure of you - so you want to be sure for your own mental wellbeing that you know what you're doing.
I felt annoyed that I couldn't find anyone to loan off at first but then the tables turned when I got my own horse (for all of 2 weeks). I had a few offers to part loan/share as he was a bit much for me with my nerves but I was wary as I'd just paid a lot of money for him and I didn't really want anyone just riding him - I know that is hypocritical but try to think from the other side - horses are people's pride and joys and so they will want you to handle them and ride them in a certain way.
In the end, I decided loaning/sharing wasn't for me. I wanted a horse of my own so that I could be confident that I wasn't 'ruining' anyone else's horse for them (not that I was but if you're anything like me, these things will concern you). I tried a few loans, met some lovely people with some bonkers horses and some bonkers people with some lovely horses but never managed to find a happy medium.
I totally sympathise about the riding school helper girls, I'm 30 and still intimidated by bunches of teenage helpers at riding schools. They all seem to know what they're doing and, even when I do, I still feel that I'm somehow less knowledgable. I offered help to someone I'd been chatting to, telling her if she wanted to show me how to do things, like mucking out, tacking and unpacking, grooming and bringing it, turning out, then if she ever got stuck I could do it for her. She was fab and taught me loads and I helped where I could - she's never had to call on me but sometimes asks if I'd like to go down with her and I even ended up riding one of her horses in the end. When you get your toe in, start chatting to people, it really helps.
I know what you mean about feeling impatient. I've been looking for a horse for a fair amount of time now and it's frustrating because one lesson per week doesn't feel like I'm moving fast enough towards any end goal but I suppose that's one of the things with horses.
Don't forget also if you are loaning or sharing you will most likely also need third party liability insurance.