Hi John, there are only a handful of expats in Loja. Most are younger, although a few retirees are now looking there. Diana J. is mid-aged, teaches at the university there, and she’s very busy but she may answer some questions you may have: sagrada01@gmail.com. She’ll tell you the most important thing to do before moving to Loja is be sure you understand and speak Spanish, as very few locals do. If you’d like the perspective of someone who lives down the road in Vilcabamba, send a shout to Laurie: laurie@sageforce.com.