This is the biggest problem with your plan: if your financial situation requires you to borrow $30k then you're simply not in the position to take such a risk. I love bitcoin but, as much as I trust it, I would never take a loan in order to buy more, bitcoin or other cryptos, because if for any reason the market collapse quickly you could end up in a very bad situation. Just invest what you can afford to lose, don't make calculations based on money you don't actually have.