I dont think the interest on the loan would be enough to worry about. Quick math, borrow 5k for one year, interest at 10% approx = 5500 due at end of year. In the mean time your 5k has turned into 50k by the end of the year. Not a bad gain considering you are using someone elses money to put 44.5k tax free money in your pocket. The flip side, whats 5k if you lose it?