And yet my advice still stands. If money is an obstacle, then money isn't the problem. In this sport you have to pay to play, one way or another.
Save up, buy a sling, and a scope. Heck, use the borrowed rifle (you'll need at least two magazines, 10 round capacity). Factory irons generally suck, unless the factory happens to be "Anschutz."
Hell, a refurbed Daisy 853 from the CMP is a helluva deal for actual marksmanship training. I know air rifles aren't as "sexy" as tricked out Liberty Training Rifle, but if you can shoot an air rifle well, you can shoot a 22 well.