I've had my 300 for a week. I haven't done this yet, but I'm pretty sure of how it's supposed to work.
You should first check with the neighboring county libraries to see if you can get a library card; chance are that you can. That should give you access to their ebook catalog.
As for the actual downloading, I think you need Adobe Digital Editions installed and authorized, in addition to the Sony software. (This is the part I don't know well yet.)
You don't actually have to "return" borrowed ebooks; the files just expire and become inaccessible. They may stay on your computer and reader until you delete them; you're just not able to read them.
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