Taking a loan to trade is very risky, most people that do this are very confident of the trading strategies that they know...Any money that doesn't belong to you shouldn't go into your trading account because the market can go against you at any time.. Trading with your savings isn't advisable, there's a possibility of losing that money and if that happens you might be stranded..30 Dollars out of 300 Dollars is a display of risk management, for someone like me I would even prefer to start trading with 20 dollars, this doesn't make you inexperienced it makes you more conscious of risk management.
Yep, it is too risky to trade with loan money. Those people who take a loan for trading, they may be unaware of the risks. Or they may think they are very skillful in trading, so they think it is easy to take profits. However, there is no guarantee for profits in trading, the market trend can change at any time. If we have unsafe money, we may end up with a problem in the future. How if we get losses because of unpredictable situation the market? Sometimes, even professional traders can avoid the losses if the market trend goes wrong immediately. Well, for professional traders, they may set a cutloss. They won't get severe losses, but it is still a lose, right? 
By the way, it is better to divide the money for savings, investment, and trading. We don't need to use the money for savings. If we have no money, it is better to stop trading temporarily. Why we must force ourselves to trade? It is surely not needed, we should trade whenever we have safe money for trading only.