[mel0n]

(Original post by al_habib)
i have a question, when you graduate uni and you get a job you'll be paying back uni loan and interest/riba is riba not haram , i was told this. i am not sure. what is your thoughts on this.

Are you copy + pasting the same question over and over? I answered your question, at least I think I did! Apologies if I didn't, in which case it'd be great if you could be a bit clearer about what you mean...

[mel0n]

(Original post by al_habib)
I wonder subhanallah so many brothers and sisters go to uni i dont know if they know that they'll be paying riba after there course,

It is pretty clear from the offset that such a loan is impermissible, provided that the individual is aware that interest itself is highly prohibited in Islam.

[mel0n]

(Original post by muslimboi)
Really going now

Wa Salaam

[al_habib]

(Original post by muslimboi)
Walaykumsalaam . Personally you shouldn't take a student loan because you have to pay back with interest. But nonetheless if you owe that money to the loans company and if you get a job (so you have provisions) then you'd have to pay the money you owe back.

is there another way of paying loans without paying interest i need to apply this year

[al_habib]

(Original post by mel0n)
Are you copy + pasting the same question over and over? I answered your question, at least I think I did! Apologies if I didn't, in which case it'd be great if you could be a bit clearer about what you mean...

sory i pasted the wrong question

[mel0n]

(Original post by al_habib)
is there another way of paying loans without paying interest i need to apply this year

Sorry to butt in, it is your only option unless you decide to move abroad straight after your degree, or straight after you begin to earn above the threshold, in which case the differences in tax systems means that you won't pay your loan back.

If not then these are amongst the options you have, which generally, I found, are not always an option in the UK:

1. You may approach a few prominent Muslim business men or relatives and request them to assist you in offering you an interest free loan for your studies.

2. The second option is that you obtain the government loan and work for them for a period of four years. There is a two fold benefit in this option. One, the cost of your studies will be covered without you having to be burdened to repay the debt. Secondly, the advantage of gaining experience in a public practice will be of great benefit to your medical career. Thereafter you may open your private practice with a greater experience and possibly some financial footing.

3. The third option is that if nobody wishes to offer you an interest free loan, you may request them to purchase the text books for you at a higher price. The excess amount may be in lieu of the possible returns that they would have earned from a normal interest bearing transaction.
We do realise the difficulty Muslim student’s face in obtaining interest free loans. In order to circumvent this difficulty, we advise:

4. Muslims students may opt for loans that accrue interest only after six to seven months after graduation or any other loan of similar nature. However, the procedure explained above should be implemented.

5. Muslim students may obtain bursaries and scholarships from Companies to finance their education. Service and assistance to the Company after graduation (e.g. six years) would be repayment for the finance. This has a twofold benefit, i.e. ones education will financed in a Halaal manner and one will gain experience by working under the supervision of a Company.

6. Education plays a vital role in the progress of any country. Great importance is given to education by officials of countries and institutes. Similarly, many countries respect the religious rights of their citizens. Muslims abiding by rules of a country are worthy of assistance from its officials and authorities. We suggest that a delegation of influential Muslims personals should present to educational departments and institutes the difficulties encountering Muslim students as far as obtaining interest free study loans. They should be advised that as Muslims we are prohibited from involving ourselves in interest bearing loans. Surely, they could design a finance scheme to accommodate Muslim students. We will be more than happy to render our assistance in designing a much awaited scheme of this nature.

Sorry if some of them are repeated twice, I simply took them from a fatwa website as I remember reading it when I was starting uni myself.

[al_habib]

(Original post by mel0n)
Sorry to butt in, it is your only option unless you decide to move abroad straight after your degree, or straight after you begin to earn above the threshold, in which case the differences in tax systems means that you won't pay your loan back.

If not then these are amongst the options you have, which generally, I found, are not always an option in the UK:



Sorry if some of them are repeated twice, I simply took them from a fatwa website as I remember reading it when I was starting uni myself.

my best option i think is to migrate to arab countries once i get my pharmacy degree but then what will happen with their loans. what is your option ? Thanx for the research that was useful

[mel0n]

(Original post by al_habib)
my best option i think is to migrate to arab countries once i get my pharmacy degree but then what will happen with their loans. what is your option ? Thanx for the research that was useful

What do you mean?

[al_habib]

(Original post by mel0n)
What do you mean?

if i move to arab countries that means i dont have to pay the loans. how about you how will you pay their loans

[mel0n]

(Original post by al_habib)
if i move to arab countries that means i dont have to pay the loans. how about you how will you pay their loans

Oh.. I don't know.

Moving to a muslim country is something important to me and if I did have the chance to do so, I suppose I would have the added bonus of not having to pay back such a loan (provided that it is in fact the case that moving to any other country means you can't pay it back). However, avoiding my student loan isn't my sole reason for wanting to move to such a place, as I said, it it would just be an added extra.

[al_habib]

but then if i move to arab countries still i'll have a burden on my shoulders(loan) to pay because you cant sleep you'll be asked in the day of judgement why you didnt pay the loan subhanallah i think the best route to avoid interest is to work while studying and pay back everything when you finish uni you come out clean i dont know if this is possible

[mel0n]

(Original post by al_habib)
but then if i move to arab countries still i'll have a burden on my shoulders(loan) to pay because you cant sleep you'll be asked in the day of judgement why you didnt pay the loan subhanallah i think the best route to avoid interest is to work while studying and pay back everything when you finish uni you come out clean i dont know if this is possible

You're right. That would probably be your best option. I'm not sure if there would be a way to simply pay back the amount that you borrowed and then avoid the rest.

[al_habib]

Thanx alot for making clear i was almost confused i didnt know the best approach to take it, i was even thinking to go to muslim countries learn deen and start a new life from there as my last resort.

[mel0n]

(Original post by al_habib)
Thanx alot for making clear i was almost confused i didnt know the best approach to take it, i was even thinking to go to muslim countries learn deen and start a new life from there as my last resort.

Why is that a last resort? That sounds like a good idea, imo.

[al_habib]

(Original post by mel0n)
Why is that a last resort? That sounds like a good idea, imo.

i have that intention to learn my deen deep inshallah and teach others, atm i know my deen very well and keep increasing everyday.the only think that is missing in my diary is the knowledge of this dunya.

[mel0n]

Is not He Who responds to the distressed one, when he calls Him; and Who removes the evil, and makes you inheritors of the earth, generations after generations? Is there any god with Allah? Little is that you remember! [27:62]

This must be so powerful in Arabic

[shady_123]

[muslimboi]

(Original post by al_habib)
but then if i move to arab countries still i'll have a burden on my shoulders(loan) to pay because you cant sleep you'll be asked in the day of judgement why you didnt pay the loan subhanallah i think the best route to avoid interest is to work while studying and pay back everything when you finish uni you come out clean i dont know if this is possible

Consult your local mufti and take mashweyra from him. If Im not mistaken Im sure youd have to pay the money back as its borrowed money at the end of the day.

My best advice to you would be to use your maintenance grant to pay your tuition fees and if you are living away from home then to work in your summer holidays to pay accommodation fee's. I know somebody who did this for 4 years so they avoided student loans. It probably sounds tough that holidays will be spent at work but the bonus is you come out of Uni with not a penny to owe. Alternatively you could ask if any of your cousins could give you (Karz e hasnah) lend you money and youd pay it back in a fixed amount of time.

Good luck with your Pharmacy degree. Allah make it easy for you

[zubz91]

I am a muslim Ahle sunnah, ahle hadith (a person who follows the sunnah and the ahadith) i Believe in the quran.

And i consider anything else to be an innovation a biddah.

i am not trying to cause refute between any sects but just trying to put the truth in front of them. As my brain can not acknowledge the fact that so many so called Muslims have been straying from the path so much that they are committing bad deeds and committing shirk (the one and only sin that will not be forgiven)

one thing is that the brelvis say The prophet Muhammad Sallalahu alihi wasallam was a NOOR not a human being this is blasphemy. the quran says

Our Prophet Muhammad (peace and blessings of Allaah be upon him) is the leader of all the sons of Adam, and he is a human being, one of the sons of Adam. He was born from two parents, he ate food and married woman, he got hungry and fell sick, and he felt joy and sorrow. One of the clearest signs of his humanity is that Allaah caused him to die as He causes all souls to die, but what distinguishes the Prophet (peace and blessings of Allaah be upon him) from others is Prophethood and Revelation.
Allaah says (interpretation of the meaning):
“Say (O Muhammad): I am only a man like you. It has been revealed to me that your Ilaah (God) is One Ilaah (God ___ i.e. Allaah)”
[al-Kahf 18:110]
The state of the Prophet (peace and blessings of Allaah be upon him) in his humanity is the same as that of all the Prophets and Messengers. Allaah says (interpretation of the meaning):
“And We did not create them (the Messengers, with) bodies that ate not food, nor were they immortals”
[al-Anbiya’ 21:8]
Allaah condemned those who wondered at the humanity of the Messenger (peace and blessings of Allaah be upon him), as He says (interpretation of the meaning):
“And they say: Why does this Messenger (Muhammad) eat food, and walk about in the markets (as we)…?”
[al-Furqaan 25:8]
It is not permissible to overstep the mark with regard to what the Qur’aan states about the message and humanity of the Prophet (peace and blessings of Allaah be upon him). For example, it is not permissible to describe him (peace and blessings of Allaah be upon him) as being noor (light) or as casting no shadow, or to say that he was created from light. Rather this is a kind of exaggeration which the Prophet (peace and blessings of Allaah be upon him) forbade when he said: “Do not exaggerate about me as was exaggerated about ‘Eesa ibn Maryam. Say: the slave of Allaah and His Messenger.” Narrated by al-Bukhaari, 6830.
Moreover it is proven that the angels are the ones who were created from light, not any of the sons of Adam. The Prophet (peace and blessings of Allaah be upon him) said: “The angels were created from light, and Iblees was created from smokeless fire, and Adam (peace be upon him) was created from what has been described to you.”


I cannot change the minds of a population but i will do what i can to defend my deen.

[Butterfly1991]

Prepare for your death

It is narrated that ‘Uthmân b. Áffân – Allâh be pleased with him – said in a sermon:

Son of Adam! Know that the angel of death who has been assigned to you has not ceased to pass you and move on to others, ever since you have been in this world. But it is as if he is about to pass someone else and move on to target you, so be careful and prepare for him (by correcting your deeds). And do not forget him, for he does not forget you. And know o son of Adam, if you are heedless about yourself and do not prepare, no one else will prepare for you. You must meet Allah the Mighty and Majestic, so take for yourself and do not leave it to someone else. Peace be on you.

[Abû Bakr Al-Daynûrî, Al-Mujâlasah wa Jawâhir Al-Ílm 2: 73, 74]