If you are new to trading, borrowing money (20 or 40K) is probably going to be a dangerous tactic. I'm not one to push negativity upon someone, but I do believe in helping to correctly guide someone.
Being new to trading means you will experience a learning curve, as with anything in the world. If you never went swimming, I would advice for you to not jump off a boat in the middle of the ocean, you want to limit your risk.
If you are going to borrow the money, I personally would only use a small portion of it to provide for a gentle learning curve, you DO NOT want to go into debt due to your learning curve.
Just my advice.