It is better to sell your bitcoin if you are in need of money. Just be hopeful for a better future. You can not have money and be borrowing.
but over one year and some months now the price don't want to reach $70k or $100k
Do not expect all-time-high before halving. All-time-high would be after halving. It will not occur immediately, it would be some months after halving. Expect it in 2024/2025.
You can still sell some of your coins, use it for what you want to use it for than begging or borrowing. You can start buying it again using NCA.