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I am applying for a Study permit and need advice. Is it a bad or good idea to apply at the border/port of entry? Does anyone have experience applying at the border as a US citizen? Also for the proof of funds, my parents are sponsoring me and I am also taking out a loan in order to have the...

I am from the US and trying to get a Canadian study permit. I have several issues. First, neither I nor my parents have $10,000. I can take out loans for my tuition so that isn't the problem, its the extra $10,000 it says I need in order to get a permit. Can I just provide my parents and my...