Breeding loan can be beneficial however not always a good idea and something that can be tricky.
Trust me I stated of dreaming of owning specific morphs that I knew I could not afford, years back I wanted a pied at the time they were pricey, I ended up buying a pair of het which still ended up costing more money than I ever thought I would spend on 2 animals, but ultimately I build up my collection little by little.
If you don't have the $$$ you can achieve your dream morph with patience, there are still many things out there that I dream to own and I am now confident that they are within my reach will a little patience and work.