As much as we try to hide behind it, John Terry isn't getting any younger. We have an ideal replacement for him in Kurt Zouma, massive expectations like but from what I've seen of him I believe he can be a starter for us for many years to come. He played 28 games this season, I don't believe there's a reason for us to loan him out. Especially as we only have Terry/Cahill as cover. Ok Ivanovic can play centre-back, but I doubt Jose would go for him there. Think if we do loan him out, we'll bring someone in... Would like to think so anyway, as it would be suicidal not to.