Well, taking borrowed funds to test strategies is a very risky act, I really wouldn't do it, it seems to me that it is too much and it is beyond my limits, but to do that it is better to do it with a demo mode, with the demo mode you can do something like that without any problem and you can perfect it, so when you go to make a bet with real money you do it in a safer way, of course that is Something they don't do, they always test it with real money, but as I said before the risk is too much and Personally it would hurt me a lot to lose even 1 usd.
If I don't have my personal money to gamble, I will not borrow money to gamble it. If I'm going to borrow money that means I am broke right! And borrowing money means I'm only adding more repayment to any money I'm expecting later in the future, so if I gamble and I loss that is going to make me feel bad because borrowed money will looks like investment on my eye, there is no way I will be gambling because of fun with money I borrow from another person.
If you even borrow money that comes with terms and conditions, you will only be putting your self on strong thing because imagine that you are been given interest rate of 10% a month and you were planning to payback the money after winning your game only to win nothing, you will be accumulating interest rate of 10% for months and if it's even compounded, then you will be paying money you are not supposed to even pay in the first place.