According to the users on
Android Central there are no immediate loaner options for those returning their phones.
That's why many haven't been returning them and then the phones just randomly explode in people's hands or whenever... Some are saying the parents should be charged with a misdemeanor for not knowing about the recall or not turning in the phone right away.
The AC users are having a nasty drag out argument over weather or not to return the Note 7. Its hilarious. Its like the Apple forums but its Android.