The fact is that the states of those who take debt are not similar. In the same way, the conditions of those who give the debt also differ. It is better not to perform Umrah by taking debt. However, if you are satisfied that after coming back from the Umrah until you pay the debt the lender will not feel any pain rather he will feel pleasure in lending you money, then it is allowed.
Allah (Subhana Wa Ta’ala) knows Best
Darul Uloom Deoband