LoanChangePresenter user is a required init param.
Rename method to something more descriptive.

It loads the presenter OR it redirects, so lets say that.
Define callbacks in the subclasses.

This way makes our intentions much clearer, rather than having empty
methods in the superclass we now have defined methods in sub classes
where they are more meaningful.
A loan matures on the same day as its initial draw.
Use `Date.current` to ensure correct time zone.