Dude, those coins you mentioned are probably some of the riskiest investments one could make right now--be very careful with what you're doing.
If you don't have the cash to invest, my advice is to just take a breather for now. I would not trade anything on margin or otherwise borrow money to invest in ICOs, altcoins, or even bitcoin at this point. You could easily lose everything, and then you're looking at an extended vacation in the mental health system for an indeterminate amount of time and no return flight guaranteed. Get what I'm saying?
This foolishness happened in the late 90s and early in 2000, when everyone was trying to get rich from internet & biotech stocks. It was madness, and the continuing bull market fed the madness. People mortgaged their houses, quit their jobs to day trade, and all sorts of other irrational, risky things. Don't go there. That's my advice.
So true, a lot of people have taken this path in the past and they ended up living to regret it. We may think the world of crypto-currency is going to be doing great in the long run, but it is not something one should ever consider taking a loan for because that is terribly absurd.
No one knows what tomorrow holds and even those who are investing, are doing so with what they can afford or look over in case something happens, let alone, for someone to take a loan to invest? Nah way!