On Student Loans - A Detailed Discussion| Ask Shaykh YQ - EP 270 | Shaykh Yasir Qadhi

Especially in the west, getting an education without having to get involved in student loans isn't as easy. What is allowed and what is not? Shaykh Yasir discusses this in detail in this video!
Questions? Email Shaykh Dr. Yasir at: [e-mail]
#Islam #IslamicQuestions #AskShaykhYQ
Please LIKE, COMMENT, & SHARE!
-------------------------------------------------------------------------------------------
► Credits:
Note: No musical instruments were used in this video, all background noise is human acapella.
Outro Nasheed
Artist: Ibraheem Bakeer
Produced by: MAQAMAT INSTITUTION
Copyright reserved and reproduced exclusively with permission for Yasir Qadhi's Official KZbin Channel.​​​​​​​
---------------------------------------------------------------------------------------------
Shaykh Dr. Yasir Qadhi - Official Social Media Pages
Facebook: yasirqadhi
Instagram: yasir.qadhi
Twitter: yasirQadhi
Snapchat: snapchat.com/add/yasir.qadhi
---------------------------------------------------------------------------------------------
© Shaykh Dr. Yasir Qadhi - Official KZbin Channel

[@ytubegrad3548]

Thank you sheikh. Your contribution to this umma, especially of the western Muslims has been very imperative: please ignore the background noise. People who benefit from you, way outnumbers the small distractions. THANK YOU for what you do: we all owe you so much

[@mobombhead8540]

Hey fanboy take a look at your hero's lies being exposed here. kzbin.info/www/bejne/rIW8emCaqblkaqc

[@shifeq9770]

on this issue he is mistaken, our basic fitrah admits it.

[@munireldeeb339]

@@shifeq9770 likewise ameen

[@mobombhead8540]

@@shifeq9770 allahahahahaha allah ha ha

[@Yusuffriedman]

@@shifeq9770 How?

[@belgravecollege]

I got three kids going to very expensive prestigious private universities now, and three that have already graduated. No 1. If your kids get straight As someone is going to give them a scholarship or grant point blank. So much money gets left on the table you wouldn’t believe it. Even growing up with non Muslim parents, I went to a state school and my parents paid out of pocket. Or you can go to community college and transfer later. I’m sorry but many bros and sisters just grab loans for no reason. I’m happy to help anyone with this issue. Great lecture though!

[@eh1095]

Any advice for med school?

[@n.a2928]

May Allah SWT bless you for explaining this so clearly in detail.

[@mobombhead8540]

Think allah will bless him for being exposed here? kzbin.info/www/bejne/rIW8emCaqblkaqc

[@thecuriousapple]

THE VIDEO I WAS WAITING FOR MY ENTIRE LIFE! bismillah

[@sadik6490]

I needed this lecture so bad..

[@AdilaI8]

Jazakallah khair for this, a much needed explanation regarding student loans. Seeking knowledge is so important in islam. It makes sense to figure out a way of overcoming this issue of riba, esp. when it comes to education.

[@assalaamu-alaykum]

Respecrfull descriptive about the opinions of other scholars,; this style should be the common norm!!.. The 2nd and 3rd opinions are realistic for the reality in the West...Wish these systems would come with less burden and dilemma so early in life, but alhamdulillah opportunities are granted too.

[@shifeq9770]

This is not life/ death issue. If we have no halal meat, there is option of having vegetarian food. We should choose educational courses within our budget, not go for expensive courses for prestige in society with interest loan.

[@nihalmukardamwala]

May allah increase you in knowledge and make your time extremely vast and productive for you

[@mobombhead8540]

May allah stop him from lying you mean kzbin.info/www/bejne/rIW8emCaqblkaqc

[@achilgulum3822]

JazakAllah khair Sheikh

[@AB-C2]

Jezah kallahu khair ya shaikhuna ♥️

[@hsamkough]

I appreciate your thorough research and explanation!

[@nurullahyetkin9431]

Jazakhallah khair

[@NumMyr]

Real respect for sheikh yasir , I wish such scholars existed in india too , we too have many issues that needs a specific fatwas according to the culture and times and most indian muslims are in disconnect wd the ulemas and vice versa

[@borbu1964]

Thank you for this lecture.

[@sfkhan7797]

Sooo beneficial! Need more topics like this

[@shifeq9770]

I have never heard names of any scholar in third category except qardaawi. Where did they get ijaazah. Why didn’t you quote opinions of classical scholars, position of four madhabs, ibn taymyya etc which you normally do while answering other issues. Need is not some modern issue, all those who apply for loan have their own personal needs. Concept of loan is not invented in modern age like digital videography, or voting in democracy etc

[@samals6454]

Alhamdulilah Canada recently passed a law abolishing interest accruement on student loans

[@justice4all997]

I LIKE you gives All perspectives. Don't stop.

[@ikram-ulhuq9377]

Assalam Mulaikum Shaykh , Mashallah .

[@ryanexplorer]

In Europe we're lucky that education doesn't cost much in the first place: it's under 1/2k$ per year for most studies so it's easier to avoid loans, the student can work a student-job and fund the tuition himself.

[@aljalloh1]

The question is is it necessary to have an education.

[@FyreGaming]

100% the right question. Studying for 15 years but the job I am doing just needs few months of training. We must rethink everything.

[@wheelfan100]

Yes especially for marriage it's basically impossible for a person working a menial job or earning miumium wage to get married. Especially in the muslim community of North America for example the average income of yasir masjid (EPIC) is close to $100k. Which means looking overseas and that's not cheap either costing $10k to $20k

[@munireldeeb339]

As a Hafiz of the book of Allah I testify that Shiekh Yaser Qadhi is a real Muslim scholar (alim عالم )may Allah bless professor Yaser and give him long life as for those who they call them self salefy they are not . the real salfy is doctor Yaser and those who understand the shariah profoundly

[@amirjan4722]

May Allāh (swt) bless you.

[@arghafil7823]

It would be helpful to know how scholars from United States arranged for funds to purchase car and home ? How did they avail for education ? How they sponsor education for their children ? Do they take health insurance ? Do they take life insurance ? Do they invest in 401k ? What about stocks ? It's plain and simple to label everything as haram but we need to know preferred way to do things. It's a shame that despite Muslims in usa since 50+ years still trying to resolve basic questions either we are to lazy or have no clue how to deal with daily finances. Muslims take false pride in contributing to science and civilization several centuries ago but 2nd largest religion have no clue about economic and finances.

[@arghafil7823]

YQ and other scholars shoudl declare from where they arranged for funds to buy their homes cars and sponsor their children education.

[@Salaheddine020]

I understand and appreciate this discussion sheikh. Also I agree. What I do not understand is why can't we apply this to housing (mortgage)?

[@NabilKaali]

It can be and the shiekh has addressed the question of mortgages.

[@AdilaI8]

Same concept applies to housing, it’s haram by default, but permissible when in need and when there’s no other alternative.

[@TheTruthSeekerMe]

If you can rent you can't take a haram mortgage

[@shifeq9770]

You can rent till you accumulate money. Otherwise you can go back to your country, Allah didnt ask us to settle in west.

[@shifeq9770]

@@AdilaI8 there is alternative option of renting. Muslims of west need to unite and build Islamic banks.

[@aliwaqar6004]

Wa alaykumassalam wa rahmatullahi wa barakatuh

[@munibcodm]

The main issue with the opinions which are lax concerning student loans is what exactly validates the level of 'necessity'? It's not a life-and-death situation so where does this assumption come from that the 'need' is valid in this case? On that basis alone, opinion 1 holds the most merit. The argument that it's not Riba in countries like the UK is also flawed since there's no ikhtilaf on Riba which falls under a Qardh (loan), while there is in Buyu' (buying & selling).

[@wheelfan100]

1 marriage becomes almost impossible without a degree. Most Muslims especially in North America are super successful upper middle class. Do you think that are going to marry a warehouse worker? and Marriage within the muslim community Costs around $20k. So temptation of Zina becomes easier since marriage is unaccessible to these people. 2 the risk of living without savings or a house due to the high costs of rent you need a second income to live. Basically life would become very difficult without a degree

[@munibcodm]

@@wheelfan100 Not at all, that's a subjective statement. I've seen plenty of marriages without one holding a degree. A warehouse worker is just one field, there are plenty of others one can do without having to indulge in Riba (freelancing, apprenticeships etc) , nor is arguing for a higher standard of living is not a valid argument here. Many muslims in the UK aren't 'successful upper middle class' citizens, nor should that even have a bearing on the arguments made for or against. Marriage within the muslim community costs around £20K? It's not necessary to spend so much on a lavish wedding, one should spend according to his means and plenty of people have a simple nikkah - especially in the UK at least. I'm not sure if you're aware of the pros and cons to both renting and mortgages from a dunyawi perspective, but owning a house can have its own challenges and financial hurdles with being responsible for repairs etc. I can't speak for those in the US, but it's very possible to live on rent in the UK in such cases. I know a man who provides for 9 people (financing two houses) and he has no degree, worked his way up the corporate ladder, making a little above minimum wage. Are they living with lavish things? Not exactly, but my point is it's feasible to live off such.

[@HT078]

Thanks Dr. Y Qadhi, I love the way you explain in details. فصاحت و بلاغت. Excellent.

[@rameezabid356]

I graduated using FAFSA grants from the government targeting low income families without ever taking a single cent in loans, I also stayed in my state and went to a local university so I wouldn't need to pay to live on campus. It is possible to get an education without taking loans in the U.S.

[@rakietasawadogo3371]

Which university and state is that because grants doesn’t fully cover 12 credits a semester here in the north. Please respond.

[@belgravecollege]

@@rakietasawadogo3371 most states do however you can get more grants and scholarships depending on the the grades. So the first thing to do is to make sure students get high grades and also look on outside sites for scholarships. If you let me know your state and major I can give you an idea

[@rakietasawadogo3371]

@@belgravecollege thanks for responding it’s in North Dakota and Finance as a major

[@belgravecollege]

@@rakietasawadogo3371 Don’t know much about the Dakotas, but I will check. FYI there are three schools in North Carolina that offer $500 per semester in state and $2500 per semester out of state tuition. Elizabeth City State Fayetteville State U. East Carolina U.

[@rakietasawadogo3371]

@@belgravecollege we have scholarships in here where I was awarded about $800 a semester but still… thank you though

[@welcomecat143]

As salam alikum sheikh, I have question. Suppose a person can enroll in a Master's program costing him around 30K and at the end of the program he/she can presumably get a decent paying job. The person with his family support can afford this 30K cost. But if he has to go in a medical college it cost him way more than this. In this scenario he/she is allowed to take a student loan for medical college.

[@omarhasan3244]

In the United States PSLF public service loan forgiveness program is a easy way to have education paid for.

[@-one-4358]

I don't understand how interest can be made halal when the situation is NOT "life threatening". I don't dare to take the risk of waging war against Allah and his messenger. - Will a highschool diploma not suffice? - Can one take interest loan for Hajj, which is a pilar of Islaam?

[@shifeq9770]

correct. one has to buy house, do education within their budget. Not look what neighbors got.

[@wheelfan100]

Yes this is a need especially for marriage it's basically impossible for a person working a menial job or earning miumium wage to get married. Especially in the muslim community of North America for example the average income of yasir masjid (EPIC) is close to $100k. Which means looking overseas and that's not cheap either costing $10k to $20k Zina with the most attractive lady costs $400 to $200 to even 0. Marriage is unreachable to the person without a high enough income the risk of falling into Zina is almost guaranteed or very high. Second the minimum wage for to afford rent is $25hr (2022) well above any minimum wage in this year. There is a danger that you will be thrown on the streets especially in high rent areas. Life becomes extremely burdensome without a college degree or trade. If you cannot afford hajj you don't have to do it alhamdulillah.

[@gunterblum9088]

just study in europe then it is way safer more halal, muslim students should see this struggle as jihad and avoid riba

[@mattpidlysny3726]

Asalaamu alaikum, I regret to inform some time before I took Shahada I subscribed to a loan for a course at a local college here, I would not have if I was a Muslim at the time. Knowing Riba is forbidden I try to exclude myself from it, but everything I own was generated with the prospect of Riba attached. Every electronic was manufactured by loans with interest attached, my watch, my clothes, my food. Everything! Can we ignore this is a troubling time indeed for men? Truly Allah SWT is the only one who can generate interest. Look at his Principal Amount, the Qur'an, generating MUCH interest globally in men! He alone is the commander of that, certainly, not that it is Riba but just a form of interest, I thought it would be creative to note!

[@besharafereg2198]

Why are loans for houses Haram but loans for education ok? The same arguments can be made for home ownership. This seems completely arbitrary. The Muslim world is obsessed with education. There are other parts of the world that value land ownership. This fatwa seems to reflect the bias present culturally in the Muslim world towards an obsession with education and profession as a marker of social standing.

[@samzam118]

Jzk

[@mcilhennyest]

30:00

[@syedbina]

Medical students cannot pay their loans in six months, after graduation.

[@hxna3614]

Save up whilst your in uni. If you in the UK the last year (of 5) is paid for you by the NHS.

[@dxxnish7170]

27:23 Shaykh is this Jahili concept of Riba not similar to a subsidised loan?

[@cleopatrejackson5810]

Can you encourage your brothers and sisters to help Yemen ,Syria and Palestine please 🙏, thank you 😊.

[@shifeq9770]

Principle of daroora is simply exaggerated here, different types of education are available according to budget, conveniently skipped position of 4 madhabs and jumped to modern western muslim modernists. Imam abu hanifa permitted giving money on interest in dar al harb, america and europe are not dar al harb. Muslims are living there as resident and expats, not at war with non muslims there.

[@icelerate8141]

I don't get this. First you said you do respect the stricter ulema on this issue even though you don't agree with them but then said the youth who follow this opinion are extremists making life hard. kzbin.info/www/bejne/oZrRhHmcbc-XgbM If they trust those Salafi and Deobandi ulema, I don't think you can be so condescending towards these youth.

[@-one-4358]

I agree with your comment. I didn't liked that part also.

[@faysalahmed9157]

I think what the shaykh meant here is those youths that are calling for condemnation for other views.

[@shifeq9770]

I admire yasir qadhi as great scholar. Unfortunately on this issue he skipped great classical, medieval scholars of ahlu sunnah, and jumped to some modern unreliable fatwa council in western lands.

[@Rahmawati-wr5hk]

Why do I feel so upset to see this video, is he really misleading the ummah? I myself have 5 years gap from high school to university (because my parents were not able to supportme) I had to work for 2 years and save the money to pay the university tuition I was going to. Since then I got scholarship after scholarships, now I am doing a PhD study here in the US and I don't pay a single penny because I got the fellowship, which is based on Allah intervention. Are we doubting only is the only one provider??? and He certainly knows when is the perfect time for his slave??? Astagfirullah!!!

[@amirjan4722]

Looks like someone didn't comprehend the video at all.

[@TheTruthSeekerMe]

Wow I guess you can make anything halal if you try hard enough 🙄 We live in times when there are a million ways to make a decent living (especially in the west) without a college degree. So I think it's hard for anyone to argue it's a necessity. And if you really want a college degree why not work for a couple years and then enroll when you can afford? Or why not go to a state college or even a different country where education is free? I earned a degree in Bosnia for next to nothing. Instead of focusing so much on making riba halal why not tell people about ways to get education and avoid riba which is one of the biggest sins in Islam? And not just that, it also destroys peoples lives. What a disappointing lecture. So many young people or their parents will watch this and take it as a green light and not even try to protect themselves.

[@shifeq9770]

Yes, he should have said its haram, if someone takes and repent its between him and Allah, instead of making invalid qiyas like wahabis on sufis

[@TheZaidman]

I'm surprised people will go through so many loopholes and make so many excuses to do something obviously Haram. Reminds me of how the Israelites used to throw their nets on Friday and do their sabbath 😂.

[@samzam118]

In England advance learner loan is taken to get prepared for uni but nothing paid until student earn £27k plus. If the student gets in uni the loan is written off. The tution fee loan for uni is either paid via bursary or once the student lands a job paying more than £27k. And after age 65 or retirement, the loan is written off.

[@NazmusLabs]

Did you even watch/understand the video?

[@FyreGaming]

Your example is impeccable, it is so sad to see videos like this. "Is credit card allowed" "Student loan" "Home loan" "LGBT Support"

[@NazmusLabs]

@@FyreGaming You did not even watch the video. THAT is what is so sad to see. A comment that appears so stubborn written by someone who likely did not even take the time to watch the thing he is commenting on.

[@TheZaidman]

@@samzam118 im talking about people who take a riba loan, knowing they will pay riba, and say it was to make their life easier. Thats why Yasir Qadhi is telling people to listen closely to his requirements. People tend to just follow their desires without thinking.

[@AYMFC-1]

This so-called Shaikh is misleading the ummah and watering down the great religion in matters which are clearly black and white and where there is a majority consensus. 45 minutes of simply complete waffle in my opinion. Who is he appeasing?

[@Ashh924]

He is quoting the opinions of scholars, don’t you have ears? If you have ears, then has your brain informed you that he’s telling you ALL the opinions and that you should follow a god fearing scholar that you trust? Don’t be a fool please, he’s not forcing his view on anyone

[@shifeq9770]

@@Ashh924 other scholars are not imam shafi, ibn taymyya, imam nawawi, imam ghazali etc, some unheard names, as if loan was invented in modern age.

[@TheTruthSeekerMe]

Liberals love it!

[@shifeq9770]

@@Ashh924 anyone can claim to be scholar and change the rulings on Islam. Daroora is life threatening issue, not getting expensive education for prestige in society.

[@afg786malang8]

It’s very obvious that a student loan is haram because you will end up paying interest.

[@Omz3]

There are ones without and u pay no interest if u pay on time

[@Hamza00011]

Did you watch the video? No its not ‘very obvious’

[@afg786malang8]

@@Hamza00011 so you telling me interest is not haram??

[@Omz3]

@@afg786malang8 we’re saying not all loans have interest

[@NazmusLabs]

This comment shows you did not even watch the video. Allah (S.W.T.) expect more from us With regards to see knowledge. Commenting on matter, you do not know about is unbefitting of a Muslim.