Is the blood money considered valid if the 'Aqila delayed its payment, and the person himself paid it, knowing that half of the amount was a debt he borrowed to complete the blood money's due amount?

The blood money for accidental killing is, by religious law, incumbent upon the 'Aqilah (the male relatives on the father's side). The killer pays from it the same amount as any other individual member of the 'Aqilah. If the 'Aqilah do not pay it, it remains outstanding against them unless the guardians of the blood forgive it. If the killer pays it from his own private wealth, or by borrowing, or if someone else donates it, such as insurance, that suffices and the right of the guardians of the blood to claim it is relinquished.