I would give it 5-stars, except for the drawers of the included dresser.  They are terrible.  Flimsy, hard to open and close.  The loft is nice.  It feels sturdy.  My son is very happy with it.  The set includes the shelf that is shown above the drawers, and it includes the desk.  It is a nice sized desk, but you'll need a writing pad since the wood grain is rough.  The little nightstand shelf that hooks over the rails is NOT included (nor is the chair).  

One major flaw is that the backside of the chest of drawers is completely unfinished.  When sitting at the desk it looks terrible.  Some reviews have said that you could have the drawers open from under the bed, which is true, but you would not have access to the top drawer if you have the desk installed.