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Student loan repayment

Last updated: 3rd February 2024
Question ID: #9643
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Salam Allaikum, Around 7-8 years ago, I applied for a student loan which I used to finance my studies while in the UK. Unfortunately when I applied for the loan, I was under the understanding that it was not prohibited. Now I am certain that it was haram and that interest will be added which is a continuous haram as I am repaying it. My question is, I should I start by paying a large amount every month, which at this moment is already a dilemma as I recently got married and I need to support her. The other option would be to avoid paying any substantial amount, and avoid paying later one as I already do not live in the UK, and plan on not moving there again, and will most likely be under a smaller income in the future which will not cross the threshold that required me to repay. Would this be considered a debt which is haram to not repay. A key point is that the debt will be cancelled after 30 years.

بسم الله الرحمن الرحيم

الجواب حامداومصليا

Firstly, make Tawbah for taking out a loan on interest.

Secondly, as the loan is legally binding it is necessary to pay it off as soon as possible without any addition of more interest.

And Allah knows best

28 Rajab 1445/ 08 February 2024

Answer last updated on:
8th February 2024
Answered by:
Ulamaa ID 04
Location: London