Loops on the top is a bobbin problem, loops on the bottom is the top thread problem. Check the tension on your bobbin by hanging it by the thread after loading it and jerking the bobbin like a yo-yo. If it just drops to the floor without any jerks the tension has gotten loosened some how, tighten the screw.
I know how frustrating tension issues can be. The diagnosis is the worse part, the fix is easy when that is done. Good luck!