 Solution

Quantum tunnelling is transmission through a region where the particle's energy is below the classical potential energy. The stationary wavefunction decays within that region but need not vanish at its far boundary, so matching can leave a nonzero transmitted probability current.

This does not require a particle to borrow energy temporarily. Energy is conserved for a time-independent barrier; the classically forbidden region is described by an evanescent wave, with the same stationary energy as the incident and transmitted waves.