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What should i do? - Trying to Transfer schools!!

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Hello All, I am a 3rd year undergrad student that was attending a private institution. In my 3rd year i had a family emergency where i was forced home to care for my younger siblings. 2 years later i am ready to get back into school and finish my degree, my plan was to transfer to an instate university where i can manage the tuition. my problem is i owe the my original university 10k in order to release my transcript. I wanted to know if it is feasible to take out a 10k personal loan to pay for the transcript or maybe save 5k and take out a 5k loan as i will be paying this all on my own. If it is possible and any one has had success with a situation similar to mine please feel free to spread your advice. Thank you in advance!!

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