You can't afford to replace anything right now...you don't have any cash...
How much cash do you think should be readily available... 10% + loan? 50% + loan?
I have my loan options (not as flexible anymore), and so far I'm turning enough profit that I can actually make stupid moves and not be too affected.
Replacing something with a plane that needs different pilots is not something that's very advisable, especially for a small airline replacing it's only fleet type.
Take a look at the MD-90 if you want something readily available. Although with these ridiculous fuel prices, 732 will probably be fine till the end of the game -.-
I'm not sure about if 732 will be viable until the end of the game, considering their age, maintenance cost, and used market availability. Plus fuel prices will pick up eventually. What makes you believe that's otherwise?
MD-90 seems only logical option atm, but I do really need to sit down and play with seat configuration.