This is always a tough one - it all depends on you... and by the sounds of your email I think you are heading for disaster - trying to trade yourself out of a hole is never conducive to good decision making.
I'd say keep your 1k - work your butt off to repay the rest with possibly a second job. Afterwards save up $100. Trade on a platform such as OANDA where you can risk miniscule amounts and try and double this $100, and try to double again and again increasing size so that you can get used to the psychological stresses placed on one during trading.
"Scared money never wins" - I think I read this in Market Wizards - it is a very rare individual that can make money off capital loaned - the psychological influences will handicap you.
Also 6 months is way to little- think 2-3 years.
Further the strategy of consistent small gains doesn't wash with me - maybe others follow this route. I'm a "Preserve Capital and Home Runs" kinda guy. A Soros quote I believe.
Good luck and remember "Easy Money" does not exist - not even in the
FX Trading world - you have to pay your dues....