Plot abilities are written “Plot [cost],” which means “Any time you have priority during your main phase while the stack is empty, you may pay [cost] and exile this card from your hand. It becomes plotted.”

If you’re casting a plotted card from exile without paying its mana cost, you can’t choose to cast it for any other alternative costs. You can, however, pay additional costs, such as kicker costs. If the plotted card has any mandatory additional costs, those must still be paid to cast the spell.

Exiling a card using its plot ability is a special action. Once you announce you’re taking that action, no other player can respond by trying to remove that card from your hand.

You can’t cast a plotted card on the same turn it became plotted. On any future turn, you may cast that card from exile without paying its mana cost during your main phase while the stack is empty.

If a plotted card has in its mana cost, you must choose 0 as the value of X when casting it without paying its mana cost.

Loan Shark’s triggered ability will count any spells you’ve cast this turn, which may include Loan Shark itself. It doesn’t matter if the other spells resolved, didn’t resolve, were countered, or are still on the stack.