Well if the thought of shelling out A couple of hundred pounds for a train or plane fare and a night in the local Holiday Inn is causing so much angst, it might be better to drop the idea straight away.
If you are sucessful the interest on the amount of secured borrowing you will require will amount to around £330 a month before you have begun to add in the capital repayment costs let alone any living expenses.
Regard it as just a tiny taster of what will be happening every 20 days in interest alone. Only play if you can afford to lose.