So there are chances that you will not pay the loan?

$250 now worth around BTC0.038. Sold your alts for around $120 then you will now have BTC0.05. It will save you more as you don't need to pay for extra BTC0.02 for the interest.

But to make this short, a valid and reasonable collateral will end the story. Your bitcointalk account is not a valid collateral. Your offered altcoin doesn't have a good volume. If you can provide that I even willing to fill up this loan.