You can't take a loan and solely rely on crypto pumping so you can make profit to repay your loan, now that's very wrong, crypto is volatile and the market prolly may not be in your favor when your loan/debt is due, if you have other sources of income, or businesses of any sort, something you can take money from and pay back your loan if the market is down as of the time to pay, then taking a loan may not be too much of a bad idea. Mind you as well, that you should "only invest what you can afford to lose", crypto isn't a get rich quick thing, neither is profit in anyway guaranteed, so as you invest, you must at all times consider profit and also possible loss. But the difference is this, if you invest in a good, long term coin like Bitcoin, and with your own spare money, then even if there is a plunge or correction phase, you'll not have to panic and then sell, you'll be patient and wait for the price to bounce back up again.