I borrowed every penny I started with in September 2020. I am now a 6 figure trader and also a forex coach with my own academy. I would say it depends on your personality and discipline level. I feel borrowing the money was an advantage to my success as I knew I could not afford to fail. If I didn't have the pressure of someone I need to pay back, I don't think I would have been as dedicated as I was. Also helped me never to blow an account in those early days. Then again I am a psychogist by profression so I know that had an impact as that is the biggest struggle I face with my students. Teaching the skill I can do to a mastery level in a week, it is training their mindset I find takes a bit longer to master.
I used high leverage when I started but as the time went on I gradually reduced as my deposit grew. It is important to think a plan who you will reduce leverage, because trading with high leverage is unsustainable.
I think taking a loan to start trading can be risky. It's not just newbies, even some experienced traders do it, but it's risky for everyone. It's better to trade with money you're okay with losing. I've seen it happen, but I always say it's safer to use your own money, not borrow.