I think if I hold this bitcoin for 2 years I can get 100% -500% profit. Then I will be able to easily repay my debtors with an average interest of 18-19% in 2 years as an average of 9.something% APR and I will be able to keep a huge profit.
You have courage in loan problems, two places you borrow Bank and uncle + savings, your total: $ 20k, 1 Bitcoin is amazing, that's your amazing effort to achieve your dream 1 Bitcoin.
The question for me is bank interest, as far as i know the interest must be paid monthly, of course if that happens you now have a fixed monthly burden, for the time that has been determined by the bank, of course the interest for your uncle doesn't matter.
Does the Bank charge 10% APR interest for two years, if the Bank has such a rule, you are very lucky, wait for Bitcoin to reach $100k.