Covering expenses: Taking a Loan against your BTC on a Lending Platform vs Selling BTC

Since a few years, I am converting all my fiat into bitcoin and only kept the minimum in my bank account to pay the bills. I'm a CS student and this year I plan to study abroad for one Semester and thus need to have 4.000-5.000€ in fiat, to pay for the semester fees, as well as accomodation, etc.

I have no doubt, that bitcoin will continue to be the best performing asset in the world. This belief makes it difficult for me, to part with my bitcoin.

The alternative: Taking a loan on a Centralised Lending Platform where I keep some of my stack. However, the interest rates are extremely high (~18,5%). Let's assume, bitcoin would increase 18,5% in one year (wich is quite moderate, considering, we are in a bull market). If I pay back the loan one year from now with my BTC, will I have saved on interest, considering my Bitcoin is worth more now? And has anyone been in a similar situation and considered taking a loan instead of selling one's BTC?