The FSW application clearly states the funds MUST be yours and there are many cases of people being asked to produce their past 6 months bank statements to show progression of savings and where money originated. The whole purpose of the fund is to have enough money to support yourself until you find employment in Canada. If you are unemployed and have a loan to pay off, how would you be able to survive? Having your own funds is just as much a part of the qualification for the FSW programme as having 67 points. Good luck.