OP, you appear to have some of the words and none of the understanding.
You should only do these things with money you can afford to lose.
If you are in a low income tax bracket, then you don't have that sort of money to lose.
You are massively in debt and on track to be in more, leaving money in a bank account that is devaluing on a daily basis while paying interest on a loan.
Clear the debt and you'll walk away in the best position you have half a chance at.
You are prey in a predators market.
Some people should not even dabble in investing without a financial advisor to help them and you are one of them.
Even if you made 11% on a fraction of it now, it is no guarantee it won't make a loss next year and every year after.
Get out of investing, you don't have the right attitude for it.
No decent professional would advise a client to get a loan to day trade or do anything in the way you have done.
You are going to get burned far more than you already have and you don't seem to be understanding you are still losing money on a daily basis.
You didn't borrow 40k, you borrowed 40k PLUS about 8.5k interest, PLUS whatever payment protection insurance you have taken out to cover it, PLUS the loss of having access to that money or that credit facility to use in more profitable ways for a decade, PLUS PLUS PLUS.
I hobby invest in precious metals and they are doing very nicely for me (especially at the moment), but the money I put in is money I can afford to lose.
I also collect coins anyway, so it grew out of a personal interest and broad knowledge base on the subject.
I do that myself because I'm fairly risk averse but I know what I'm doing.
For everything else I use an expert because I know I don't know enough and life is too short for me to learn enough to do that too.
In the PM community, you'd be a silver stacker talking about silver going 'to da mooooon!'
They are the ones who manage to make a loss buying fake coins on ebay sure they've scored a bargain, or paying the VAT on buying common high run silver and wondering why they can't get their 'investment' back when they try to sell.
They've been screaming that for decades, but silver has only gone up about 13p an ounce in the past 5 years, so it's actually worth less now than it was if you didn't buy the right pieces.
Stop watching Tik Tok or YouTube or wherever you are getting these dumb ideas from and take a course on finance while you sort out the mess you've made for yourself.