This is a tricky situation and it's much more complex than "just holding it".

If you bought wtith your own money then that would have been my advice to you. Hold it for a while, wait for the consolidation to be over. Or at least hold until the rebound comes and then sell, never sell at the bottom.

But since you've bought BTC on credit, which is a big no for any investment in the first place, the consequences are much greater than losing all your money. You could be losing all your money + interest, potentially even ruining your credit score.

I would recommend waiting until price is at least in the $7-9k's again, which I think has a decent chance of happening. Sell your holdings then. Or even sell now if you're really anxious. Make up the rest of the borrowed money with your own savings, take the big L and learn the lesson.

It's not what I'm doing since I didn't buy my share of BTC on credit, but markets are volatile atm and I don't think that an investment on credit that has an unknown amount of time before it booms again is a good idea...