FWIW I've borrowed money from my in-laws in the past (now repaid) and it was no issue. For me 10k for mental health would be worth it, but that's easy to say because I can afford it. If you have to borrow that money I would have to say it depends on the benefits you expect to get out of grad school and the year on-campus. Since it's an investment in the future I would say it could still be worth it.