Student loans with grace period : Riba on student loan, work and Niqab

السؤال

[Question One] : Aslam O Laiakum Wr Wb, I am sorry I’m disturbing u brother but plz I need advise here..I need help from a reliable knowledgeable person Insha’Allah. The thing is I read even at ur website interest is prohibited. Now, I m trapped the thing is I m an almost going to be 19 year old girl and I rely on my parents for everything. Now I do not want to sign an interest base student loan in fall becuz to be honest I know I wont be able to pay it b4 interest sarts accumulating. So I Know I shouldn’t go for it. But there are org who I can come in contract with and even my father says he'll pay it for me most of it. But once again, I talked to my father abt it and he said he wont go for that option cuz he'll pay the loan. Now, he may pay it with or widout interest that I don’t know. But the thing is if he payz the loan (not me) with interest he will be sinning of course and I do not want him to Insha’Allah and also I m the one signing it so I’ll be held accountable. Although I mite not be the one who pays it but totally signing it on my father wishes. So wot shuld I do know either I don’t sign the loan this coming September and face dir consequences in my family with my parents probably forcng me to work which I do not want to cuz I wear Niqab (behind their back) and I donot want to ta ke I off cuz of a job. Now I m trapped I wont work, wont sign the loan, wont get married cuz parents are totally againt young marrage, and plus if I get kicked out of my house then I have no place to go. No place at all to live. I might go and live in a mosque but how will I clean my self from impurities like periods etc. My parents do not appreciate my living in the house without studying or working they want me to do either of it. I do not even want to go university but I have no choice. So Subhan Allah I either do not sign the loan and face all this and Insha’Allah it hurts to think abt it but I’ll go for of it. But plz advise me b4 I take this step Insha’Allah because I donot have muc time left and also one daiyee sis told me that go and live in a mosque get urself married. But how can I just go and live in mosqu without anything to eat hardly any money ? And I need a wali too. Plus I would point out here that my father is very sensitive to his children disobeying him, and in this case soeething might happen to his health like he may not be able to endure it etc. But as I said Insha’Allah I the way of Allah (SWT) I’ll go for it Insha’Allah. Plz I really need advice becuz all pple of knowledge have declined that its not their expertise. I am really worried. Just give me any advice Insha’Allah. [Question Two] : Alhumdulillah that ur answer helped me. JazakAllahu Khairun. But still I have some questions. Sorry it is long again. 1. I talked with my father and he said he'll pay all of my loan on my behalf at the end of every year (b4 interest starts accumulating) if I get a minimum of C + in all my courses. Insha’Allah I m willing to work hard buut shuld I go 4 it cuz its mite prove risky ?? 2. Therez a Muslim org. Wid which u can get into a contract and they pay the whole loan for u without me paying any interest but at sume future date life after 5 yrz, for example, I’ll have to pay them the principal amount as well as $ 5000 (for example) extra as a benefit. But my father said he wont go for this option. 3. I know my father have plan to get me married at the end of 4th year or maybe third year and I also know that he'll pay almost all of my loan. But the thing is I know that there is almost a 95 % chance that my father will be paying the loan widout me paying any interest but I m the ne who'll be signing it. So will I be held accountable although I know I wont be paying it ?? 4. My last option is that I go out and work widout Niqaab. And I have to work to cuz my father wants me to. So then I 'll be paying the loan as well as working hard Insha’Allah to get the grade and pay the loan. They also allow a 6 month grace period but in that period u do get ineterest but the government pays it for u. So m I sinning although I wont be paying the interest again ?? Option 2 will only work when I plead and plead and behg and beg my father to come into comtract with them cuz I said my father will be the one paying almost all my loan in the end so probably he wont go for it. But tell me for option 3 will I be sinning ?? and shuld I go for option 1 although it is risky ? the thing is that in the end (if I don’t work in the summer or cant find work or study instead) then my father will be paying all my loan or most of it. Although I wont be paying interest in this case, just signing the loan. But I do not want my father to pay interest either so I guess I have to work Insha’Allah. But just signing a Riba based loan on my father wishes and do not paying any interest in the end, will it make me held accountable ?? Jazakallah Khairun brother for helping me out in the first place and plz clear my confusion now too Insha’Allah. May Allah (SWT) reward u id good in this world and Aakhira. Ameen. Walaikum Aslam Wrwb

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تاريخ النشر

2006-05-29

التخصصات الرئيسية

العلوم الاقتصادية والمالية وإدارة الأعمال
الدراسات الإسلامية

عدد الصفحات

4

نوع البيانات

فتاوى

لغة النص

الإنجليزية

رقم السجل

BIM-790244

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