Between hope you are not taking loan to do any of the two because is not advisable to take loan to invest into Bitcoin for trading must especially if the loan comes with high interest.
It is never been advisable to take a loan for investing in Bitcoin or doing it for trading. Some may debate about this in investing in Bitcoin.
If someone borrowed money and used it for buying Bitcoin when it was still $50k-$60k, they're now in profit and can pay all the due + interest if they have sold the holdings they have now.
But let's just make it clear that they're likely going to lose all the Bitcoins they have bought at that time if their sole option is to sell for everything and debt. If they wanna buy at those rates, they better find a side hustle or sell something that they don't need anymore for funding the purchase.
There is no obligation of monthly payments and interest rates nowadays are gonna bankrupt people.