Fatwa: # 45375
Category: Jurisprudence and Rulings...
Date: 24th August 2020


Student loan query


Asalamu Alaikum


I took out a student loan during my studies at university, not knowing the severity of taking interest. I have since repented and wish to make amends.


1) Can i delberately earn a salary below the threshold so that i do not have to repay the loan?

2) If someone else pays the loan off on my behalf and i repay this person interest free, would that be a better alternative to pay it back?

3) If i do pay back the loan as i do not have any other option, will i still be sinful? 




In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

Hereunder are the answers to your question.

1)     The prohibition of the student loan is based on taking out an interest-bearing loan. That is irrespective of one paying the loan or not paying the loan by earning lesser than the threshold to pay the loan.

2)     If one pays off your student loans on your behalf, he becomes your Wakeel (representative). Hence, the payment of the student loan will ultimately be borne by you. Therefore, this scheme to repay the student loan will not be an alternative to avoid Riba.

3)     If you do not have other options to avoid interest. Then, in that case, you should continue to seek forgiveness from Allah and have a firm intention to avoid any interest-bearing transaction in the future. As you are obliged to pay the debt, we advise you to pay it off as soon as possible. You may take a Qardh Al-Hasanah (interest-free loan) from friends and family to quickly pay off your debt.

And Allah Ta’āla Knows Best

Shakib Alam

Student - Darul Iftaa

Pennsylvania, USA

Checked and Approved by,

Mufti Ebrahim Desai.



DISCLAIMER - AskImam.org questions
AskImam.org answers issues pertaining to Shar'ah. Thereafter, these questions and answers are placed for public view on www.askimam.org for educational purposes. However, many of these answers are unique to a particular scenario and cannot be taken as a basis to establish a ruling in another situation or another environment. Askimam.org bears no responsibility with regards to these questions being used out of their intended context.
  • The Shar's ruling herein given is based specifically on the question posed and should be read in conjunction with the question.
  • AskImam.org bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of AskImam.org.
  • Any or all links provided in our emails, answers and articles are restricted to the specific material being cited. Such referencing should not be taken as an endorsement of other contents of that website.
The Messenger of Allah said, "When Allah wishes good for someone, He bestows upon him the understanding of Deen."
[Al-Bukhari and Muslim]