I would say IO only care about FACT, for my case I didnot include i134 because 1st i have a job and my annual income is above poverty line, 2nd we include bank statement with the total amount to 6 figures. They will not know if all the fee paid by borrowing(and probably they don't care), but when you prepare AOS package, you have to show you won't be public charge.Spend all the money on MBA. I might be able to borrow from someone now. Why would I become a public charge? If I had a bad time getting money, then it does not mean that I am broke forever
So, I got 2 month left. If I pay the fee, medical exam (150 in Chicago), and send AOS with $1,225 AOS fees until 20th of July then I will have to wait 2 month until they call me for an interview right ?
Another thing is since it's CURRENT now, that means everyone got picked DV2018 can submit. You are running not just time, but also other selectees. And it is not guarantee that you submit AOS package will lead you to interview. The visa amount is limited 50,000 visa, and are running out not only by AOSers inside US but also CPers worldwide.
Also I came across you mention health exam, I don't know about you. But my case is the health exam took me a week. Something you have to know 1st the Vaccine history do you have fully prepare? Any documents show you had those shots in your birth country before? Doctor will not give you check on vaccine given just by you said so. Another is my case, my spouse did not have fully vaccine history, so she have to take a testing shot first then re-visit back to doctor after 3 days for the reacting result. And depends on the reaction, doctor will give justification. (My spouse has positive reaction on tuberculosis test, so doctor cannot check on that column. He asked us to took X-ray, so we took another X-ray test on lungs and the radiation physician concluded my spouse is ok. Then the report transfer back to the uscis certified doctor. He then check the TB test as ok.) These all take times......
Last thing is to Check in the time sheet with your FO processing time. To see others' processing time.
Just my 2 cents