And according to this:
http://embeds.blogs.foxnews.com/2008/01/31/romney-loans-18-million-dollars-to-his-campaign/
35 million of that was his own money to start with.
62-35 = 27 million dollars were raised that was not-his-own money to start with.
To contrast, according to the first link, McCain has raised 32 million dollars, roughly half of what Romney has had at his disposal. And he's got more to show for it (delegates): http://www.realclearpolitics.com/epolls/2008/president/republican_delegate_count.html
McCain has 92, Romney has 59.
So Romney is spending close to twice as much (more than half of which was his own cash) for a bit more than only about 2/3 of the delegates.
So, I don't see the groundswell of support for Romney. I don't see him as a candidate who can win given the amount he's spent for the results he has, especially given how much was his own money. If you support a candidate, you give them money.
No, the loan was on top of what was raised. That’s why he spent so much more than what he raised.