The IRS does allow you to deduct medical expenses paid with loan funds. If you use a loan to pay your medical expenses, the expenses are considered paid when the provider is paid.
The IRS allows you to deduct qualified medical expenses that exceed 7.5% of your adjusted gross income for 2017 and 2018. Beginning Jan. 1, 2019, all taxpayers may deduct only the amount of the total unreimbursed allowable medical care expenses for the year that exceeds 10% of their adjusted gross income. Any medical expenses for which you are reimbursed, such as by your insurance or employer, cannot be deducted. In addition, the IRS generally disallows expenses for cosmetic procedures.
For more information please see the following link: TurboTax
Medical Expesnes Deductions Information
