Buying BTC with student loan payment refund – Question

Hey guys, I’m trying to make a decision and need your help in deciding if I’m being an idiot. I paid around $14K toward my student loans during the payment pause (because of Covid). I have the chance to get this refunded, but it would all go back on my balance. I’m having a daily inner dialog on whether or not to get the refund and buy bitcoin with at least some of it. I could use some of it to become a wholecoiner.

If BTC rockets up in 2024, I’d be able to pay off the remaining balance of around $25K loans.

Is this a terrible idea? The student loans are out only debt, minus a mortgage around $140K. We have a $6K emergency fund.

Thanks!!!