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I don't know if I'll be able to go to university in this country, please help Watch

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    Okay this may be a bit long, but please bear with me...

    I'm starting Year 13 in September, which is literally a few weeks away and that means UCAS applications. I was supposed to get my personal statement done over the summer which I haven't even looked at, and my school have enforced an internal deadline for the entire year's university applications - 15th October. But the problem is I don't even know if I'll be able to go to uni

    You see, interest is forbidden in Islam. This means I can't take out a student loan (and don't tell me education is more important blah blah)

    This basically means I won't be able to go to university to study the course I want, which is English Literature. See I got my AS results yesterday and I really want to go to university

    I have been looking at NHS funded courses to see if I could maybe pick one of them, but seeing as I did so terribly on the only Science subject I picked, it's unlikely I'll be able to do any of them. My parents want me to go Africa (lol) to study Medicine because it's much cheaper and they can pay for me to go, and they don't ask for specific A-levels but I really don't want to go there at all

    I really don't know what to do so I would appreciate any advice you have. I've put this off for so long but now I literally have weeks to make my decision and I have no idea what to do. Thanks

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    It sounds as if you and your family has to sort their priorities out. Do you want to go to uni here and get a good job or not ?

    Loads of Muslims go to university and getting a loan is just how it has to be for the majority of people.

    If you study medicine in Africa, it's possible that British hospitals won't recognise your qualifications and give you a job. Although I'm sure you can do it in some places, it might have to be something to watch out for.
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    (Original post by nic-nac)
    It sounds as if your family has to sort their priorities out. Do you want to go to uni and get a good job or work in McDonalds ?

    Loads of Muslims go to university and getting a loan is just how it has to be for the majority of people.
    Look I don't want to take a student loan out myself, I don't want to compromise my faith for anything. I just need some advice, is there anything I can do if I can't take out the loan?

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    I swear Student Loans do not have any interest on it? What you take out is what you pay (Except grants which are free).

    All the SFinance do, is when you get a job higher than £21k they take a small % of like 3% from your salary
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    (Original post by Jkizer)
    I swear Student Loans do not have any interest on it? What you take out is what you pay (Except grants which are free).

    All the SFinance do, is when you get a job higher than £21k they take a small % of like 3% from your salary
    yes they do, it's inflation + an extra % of up to 3%
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    (Original post by ArsenalObsessed)
    Look I don't want to take a student loan out myself, I don't want to compromise my faith for anything. I just need some advice, is there anything I can do if I can't take out the loan?

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    Then don't go to uni in this country. Instead get what job you can, possibly ending up working on the minimum wage in a fast food place.

    And you called it faith. You're willing to ruin your chances of a decent career on faith, not something you know to be true for certain. I thought Islam valued education anyway ?

    Sounds like you need to sort your priorities out. You're not in a Muslim country, you need to adjust to our way of doing things. Which when it comes to university means getting a loan unless you can pay the tuition fees. But you'll pay less if you get the loan out than if you pay the tuition fees upfront. And because of how it works, hardly anyone will pay it all off. So you probably won't even pay any of the interest you owe anyway, so how would that be a problem?
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    (Original post by Jkizer)
    I swear Student Loans do not have any interest on it? What you take out is what you pay (Except grants which are free).

    All the SFinance do, is when you get a job higher than £21k they take a small % of like 3% from your salary
    They do have interested on them. See here And it's 9% from your salary over £21k per year.
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    http://www.nus.org.uk/en/news/news/s...slim-students/

    It looks like they are trying to set something up but it will take a couple of years. Might be worth looking for people in a similar situation.

    Otherwise, are there any 'Islamic' loans you could take out independently? Do you have any citizenship links abroad? Otherwise, your main options are;

    - Funding through the NHS, the armed forces or a private company (some offer scholarships, particularly for maths subjects).
    - Taking a year or two out in full time work to earn most of the money, and ask your parents to pay any extra.
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    Learn something new everyday then !
    (Original post by Stevo F)
    yes they do, it's inflation + an extra % of up to 3%

    You could either call SFinance about more advice and options, such as just taking purely grants (You get less but its free) which may help with some costs or just go abroad to another EU country which do not charge tuition fees/as high.

    Though seeing many muslims in universities, obviously makes me wonder about how laxed they are about some certain rules.
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    I believe there are muslim banks which have ways of circumventing this issue. I don't know anything about them other than an item I heard on the radio ages ago as I'm not muslim, but I'm sure there are other users who would know.
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    (Original post by ArsenalObsessed)
    You see my family are strict Muslims and interest is forbidden in Islam. This means I can't take out a student loan (and don't tell me education is more important blah blah because my parents couldn't give a sh*t about that)
    I can understand the reasoning behind loans with interest not being looked upon favorably when the interest is only there for the benefit of an individual/profit-making organisation but:

    1) This shouldn't even be looked at as a loan, simply a tax for when you earn over a certain amount
    2) This money is going to the government, not to a profit making organisation - again no different to tax payments
    3) The interest and loan repayments can't get out of control and the government will never demand lump sums from you, simply the small %s of what you earn

    If you lay out those points to your parents and they still don't give you their blessing to university I think they're being very closed minded, especially as (as others have said) many other muslims are doing the exact same...
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    if your family is unable to pay for your studies then the only other option is student finance. however there are many charities that specialise in religion and students. type into google charities that offer funding or financial support. good luck
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    (Original post by nic-nac)
    Then don't go to uni in this country. Instead get what job you can, possibly ending up working on the minimum wage in a fast food place.

    And you called it faith. You're willing to ruin your chances of a decent career on faith, not something you know to be true for certain.

    Sounds like you need to sort your priorities out. You're not in a Muslim country, you need to adjust to our way of doing things. Which when it comes to university means getting a loan unless you can pay the tuition fees. But you'll pay less if you get the loan out than if you pay the tuition fees upfront. because of how it works, hardly anyone will pay it all off. So you probably won't even pay any of the interest you owe.
    I'm not religious in the slightest but can't help but feel you are being hugely offensive to the OP.

    He/she is simply trying to explore other opportunities to them which do not compromise their religion. Yes, the UK is not a Muslim country, but that does not mean there may be other ways of doing things. Your way is not always the only way.

    OP, I don't actually have any practical advise for you but there must be ways around it. Obviously loads of Muslims go to uni here and I doubt very much that they take out a student loan if they do not wish to.
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    (Original post by ArsenalObsessed)
    Okay this may be a bit long, but please bear with me...

    I'm starting Year 13 in September, which is literally a few weeks away and that means UCAS applications. I was supposed to get my personal statement done over the summer which I haven't even looked at, and my school have enforced an internal deadline for the entire year's university applications - 15th October. But the problem is I don't even know if I'll be able to go to uni

    You see my family are strict Muslims and interest is forbidden in Islam. This means I can't take out a student loan (and don't tell me education is more important blah blah because my parents couldn't give a sh*t about that)

    This basically means I won't be able to go to university to study the course I want, which is English Literature. See I got my AS results yesterday and I got ABDE, the A is in English Lit - I even got 100% ums in the exam and am on course for an A* overall - the B is in History and the D and E are in Maths and Chemistry respectively.

    I have been looking at NHS funded courses to see if I could maybe pick one of them, but seeing as I did so terribly on the only Science subject I picked, it's unlikely I'll be able to do any of them. My parents want me to go Africa (lol) to study Medicine because it's much cheaper and they can pay for me to go, and they don't ask for specific A-levels but I really don't want to go there at all

    I really don't know what to do so I would appreciate any advice you have. I've put this off for so long but now I literally have weeks to make my decision and I have no idea what to do. Thanks





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    Student loans are interest free. And I'm sorry but your religious beliefs are stupid. Interest is one of the greatest forces in the world, there is no reason why it should be seen as bad. The world wouldn't have made half it's scientific advancements without money raised from banking establishments charging interest. Islam banned interest because back in medieval times when people took out a loan they did it because they had a bad harvest or something so Islam saw it as purely profiting from people's misfortunes because the person taking out the loan didn't gain anything new from the loan they merely consumed it. By the time of the Renaissance with merchants and traders an businesses people started taking out loans to enable them to set up a company and produce things, therefore the person has actually gained something new from the loan. In your case you will gain an education from the loan. Fort this reason Christianity stopped seeing a problem with interest but as usual Islam stayed in the dark ages about it.
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    t i thought you couldnt charge interest rather pay interest.

    so if you lend money you shouldnt ask for interest. but if you borrow then its not a problem as its the lenders immorality.

    correct me if im wrong.
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    (Original post by QI Elf)
    I'm not religious in the slightest but can't help but feel you are being hugely offensive to the OP.

    He/she is simply trying to explore other opportunities to them which do not compromise their religion. Yes, the UK is not a Muslim country, but that does not mean there may be other ways of doing things. Your way is not always the only way.

    OP, I don't actually have any practical advise for you but there must be ways around it. Obviously loads of Muslims go to uni here and I doubt very much that they take out a student loan if they do not wish to.
    If i told people I don't wear shoes because the spaghetti monster told me not to I would get laughed at and that wouldn't be seen as offensive. If someone is making a mistake they must be told whatever their reasons for making that mistake is. Fear of offending their religion is not a good enough reason for not telling someone the plain facts that if they want to survive in a non muslim country like Britain they must work with the system here.
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    (Original post by Octohedral)
    http://www.nus.org.uk/en/news/news/s...slim-students/

    It looks like they are trying to set something up but it will take a couple of years. Might be worth looking for people in a similar situation.

    Otherwise, are there any 'Islamic' loans you could take out independently? Do you have any citizenship links abroad? Otherwise, your main options are;

    - Funding through the NHS, the armed forces or a private company (some offer scholarships, particularly for maths subjects).
    - Taking a year or two out in full time work to earn most of the money, and ask your parents to pay any extra.
    I don't know anyone in a similar condition to me unfortunately, I know a few people who are sort of in the same position however they have given up on uni and are looking to go straight into work. I don't think I'll be able to get any NHS funding but I may be able to get some grants because I'm from a pretty low income family? I'll be the first person in my entire family to go to uni as well so I may be entitled to something. Not sure though


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    You better make your choice now and then tell your parents about it as you really don't have that much time left. If it is a decision that you think that they may not be totally happy about, then you should sit down and tell them how you feel and why you want to do what you are going to do, so hopefully they will have a change of heart.

    Hope that helps
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    (Original post by peter12345)
    If i told people I don't wear shoes because the spaghetti monster told me not to I would get laughed at and that wouldn't be seen as offensive. If someone is making a mistake they must be told whatever their reasons for making that mistake is. Fear of offending their religion is not a good enough reason for not telling someone the plain facts that if they want to survive in a non muslim country like Britain they must work with the system here.
    Why are you even in this thread? The OP doesn't care about your opinion on religion, she's asking a question about how to bypass the issue.
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    (Original post by Jkizer)
    Learn something new everyday then !



    You could either call SFinance about more advice and options, such as just taking purely grants (You get less but its free) which may help with some costs or just go abroad to another EU country which do not charge tuition fees/as high.

    Though seeing many muslims in universities, obviously makes me wonder about how laxed they are about some certain rules.
    How much are the grants though? They can't be enough to cover the full 9k, can they? Also can I call them up now or do I have to wait until September? And studying in another EU country is completely out of the question, the only place I can go is Africa because I have family there.

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