I would like to think that Fraser would stay next season, if we were to still be in the Championship. Newcastle don't want him, and I'd be dubious if (m)any other PL would either. Might get competition from relegated PL clubs, but his time here this season would give us a big advantage.
Retaining Rothwell would probably be an option too. Whether or not we would want to is a different matter.
Wages are going to become a major issue in short order. I'd hazard a guess that part of our success in attracting those loanees is that we're able to cover much more of their wages than an average Championship side might, but that'll get more difficult year on year. Fraser might be at a place in his career where (especially with only one year remaining) he's willing to take a 70% pay cut to play regularly, but our market advantage is going to dry up there...we're going to have to have an eye on the Championship financial regulations from this point forward.