I perfectly understand your regrets. But it’s risky indeed. I still not sure whether it is a good idea to take loan and to buy BTC now. It's All-Time-High. Maybe it's better to wait till correction or if you have some other crypto you can exchange it on BTC and try to play shorts to get some profit. Sure if you’ll buy BTC even now once you will get grains but that may last for years. All this coronaviruses or any accidents can influence on possibility to return loan.