Since the investment is considerable, why choose a loan? If you don't have extra funds, I suggest not to take a loan, but to invest according to your own personal ability. In addition, although altcoins are sometimes profitable, they are also risky. If it were me, I would not choose to use my family's money to gamble, I would try my best.
There's always greed seeing the market on a red charts before and if did loan some funds, for sure he already make profit right now as the market recovers.
If you are going to loan for investment purposes or for trading and you know that you can get that money back in time, then there's nothing wrong about it just don't ask for a loan that you can't afford to pay especially if you lose that money in trading. There's always a risk, but if you personally see an opportunity to buy at a cheaper price, then I think its worth the risk.
But getting that money in time cant be determined because we dont know on when it would pump out so when you do took a loan then you shouldnt rely on the profits you can possibly made with crypto.
It is not really that worth the risk if you do ask me, it is much better if you do make out investment on not a loaned money because you cant be sure if you can repay it on time
but if you do have other source of income that can compensate with that then its up to you.