Permissibility of Student Loans in Islam? | Q&A | Shaykh Dr. Yasir Qadhi

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• Shaykh Sajjad Gul

[@titilolaadeyemi4816]

I just believe its better to be safe than be sorry. On the day of judgement we will stand individually to account you cant blame anyone for any wrong decision we make we should chose wisely ill say. Allah knows best

[@anashabeeb3741]

Of course Allah knows best. And to be safe than sorry then there should be know scholarly opinion on any part of Islam so do you do you think it’s a better idea to cancel all scholars and take it directly from Quran and hadees? Any way it’s your personal opinion and you can follow what ever you feel better in terms of understanding the the Law, at the same time you think deeper as Allah instructed so when you do that world is open for you to choose because Allah make our dheen easy for us.

[@bharatmodi6712]

Yes we don't need moslem doctors and professors stick to taxi driving lol

[@pacman7959]

I agree but a lot of this is to do with taqwah. If you are the type of person who is gonna fold on any hardship then you've gotta think wisely.

[@statetechguru4804]

he is referring to ppl like you who do not trust the scholars.... then why do we have scholars, just shut down all the Madarsas and Islamic schools, and you do you own findings from Quran and sunnah.... like first find where it is written in the quran to do 5 salahs, and then find how many rakats are in those salahs, and then find in quran the sunnas and then how to pray on and on.... just reinvent the wheel... muslims respect the Doctors more than scholars, they dont listen to scholars, but they listen to their doctors and lawyers' advice more.

[@Faithfulresonance1]

A shaykh which deals with the problems of the Ummah. Mashallah!

[@husseinsamhat9746]

Very clear, very honest, very broad and yet specific.... Thank you so much. I appreciate the inclusion of multiple scholar's viewpoints and school's of thought in addition to yours.

[@abdalrahimalqllali7336]

?

[@aliwaqar6004]

Wa alaykumassalam wa rahmatullahi wa barakatuh

[@abelievereverrising283]

Here in the UK we now have an alternative: Degree apprenticeships - where an employer pays for the degree and also gives you a well paid job at the same time from the age of 18. So traditional university route is becoming outdated very quickly. May Allah bring this to other countries and help us to get onto these programs.

[@yalali1956]

Here in CH, it is a student apprenticeship for CFC ( All kinds of jobs) Students need not pay for their education. Both are gaining i.e Employer and The student.

[@ibrahimiddrisu7620]

We do have it here in the US too but not in every state I guess.

[@mohammedayyaz9056]

To my limited knowledge not if you want to become a doctor or teacher.

[@abelievereverrising283]

@@mohammedayyaz9056 akhi the one for medicine is coming out next year inshaAllah. U might be able to become a teaching assistant through an apprenticeship though.

[@mohammedayyaz9056]

@@abelievereverrising283 teaching assistant primary school no problems, but secondary the Muslims schools the teaching assistant and teachers are not up to standards. As for state schools they are better

[@gennarocollidi1329]

Jazaka Allah khayr Shaykh, a video that we really needed !

[@mdmoienuddin8905]

Jajakallahu khairan dear Shaykh. I got my answer with thanks a lot ☺️

[@rayhanchowdhury6709]

Zazakallahu Khairan for your enlightening lectures. Students loan in Canada are called student assistance plan. And no interest if paid within 6 months after graduation

[@petboy5839]

Will you be able to pay it six months after graduation though?

[@d.bcooper2271]

Deceiving yourself

[@ELEETIST]

Transactions where riba is prescribed even in a condition is still haram tho

[@muqtasidm.4886]

Assalamualaykum Shaykh. Please keep giving these in depth explanations. It is very important for us to learn about the diversity of thought in islam. I really appreciate your MashaAllah academic explanations for everything. Please keep doing this InshaAllah.

[@abdalrahimalqllali7336]

Every min of the video was halal haram halal haram and top it all he say s in the end "find a different alternative"

[@QuranWorldYT]

Allah ❤

[@Uzair_Of_Babylon465]

Fantastic video keep it up your doing amazing job

[@stripedstudio3621]

جزاكم الله خير

[@e.scrochet]

I feel like this goes hand in hand with the printing press video knowledge is power remember that

[@d.bcooper2271]

Link??

[@ab00abdullah]

We have to analyze the merit of blanket entry to any (expensive) college or university and the study any (especially low paying in the job world) subject. We also have to be realistic about how of much we do is based on community and family pressure and perception as well. Attending a community college and transferring to a lower cost college university should be looked at. I know parents who get somewhat "menial" jobs at universities so their kids can get deeply discounted educations. Professions and technical trades that pay well and even better than many degree studies should not be overlooked. Many retail corporations pay for tuition or partial tuition for their workers as well. Employers sometimes pay the post-graduate degree for its workers as well. There are ways to avoid what many are running headlong in to without care or concern.

[@ibrahimnizami7417]

Thank you brother for showing us the better options. Which country are you living in currently brother.

[@ab00abdullah]

@@ibrahimnizami7417 I'm living in the US.

[@akki1231]

I LOVE YOU YASIR SIR !!!

[@Fmofam]

Work and save money. Also there is so much free money out there. Companies offers tuition to a certain amount. I went to college with scholarships. For my graduate school I used my company’s tuition reimbursement. Whenever I ran out of that money; I pay out of pocket or wait until the next year.

[@afzalshaikh2128]

I did something similar but for my kids this no longer possible. In the west to go med school is 150k, good luck trying to save that.

[@maar516]

@@afzalshaikh2128 actually med school more like 400k+ loan for some schools

[@HamarayBachay]

Jazak Allah Khair Dr. Qadhi for such a detail reflection. Can you please explain about the home buyers Islamic loans here in U.S. A few years ago religious Muslims would not buy a house saying that it is haram but now a days every practicing Muslim family is buying houses by taking loans from certain Muslim organisations which claim to be partner in the property.

[@Dnyrey]

I’m interested in this answer as well

[@sadiaahmad3388]

Thank you for explaining so well!

[@altafhossain6478]

Respected DYQ, it would be beneficial for you and us if you can discriminate riba and the origin of it. Allahu Alam!

[@bodymind195]

Perhaps essence of every situation including religion...TO JUDGE NOT BY LETTERS BUT BY SPIRITS...else easiness in Deen may appear hardship... producing a cascading effect in a negative way... scholars giving verdict..must think and rethink in this regard

[@mohammedayyaz9056]

Some individuals when it comes to getting married are happy to " splash the cash" but when it comes to interest based mortgages or education some are happy to take this option. Ps some Muslims will have land back home which they can sell to pay their education

[@irfananees6103]

@31:50 What do you mean ? the longer the Fatwa the better? In stead of pushing back Riba these scholars are watering it down. This video should have ended at 4th minute, Riba is haram. When he says @40:00 this is also Riba but lesser degree, here is a Hadith - “There are seventy-two types of riba, the least of which is like a man committing incest with his mother.” Narrated by al-Tabaraani in al-Awsat; classed as saheeh by al-Albaani in Saheeh al-Jaami’, no. 3537. Allah is the provider of Rizq, it is upon is to take it the Halal way or Haram way. May Allah guide the scholars of Ummah.

[@mohammedjaveed4108]

All he said was not to categorize everyone into same box.

[@samadam8127]

He is literally changing laws of allah

[@d.bcooper2271]

​@@samadam8127😒 🤔 😒

[@MrSultaan99]

Riba is Riba there's no excuses.😊

[@mxrro817]

Very true😊

[@fastng]

waging a war with Allah? no thanks. if u cant afford college, then you dont go. learn a skill learn a trade and make Dua'a.

[@Salahuddin_Official]

So let's only the rich be engineear, doctors, nurses, teachers, etc...? We can't build a society without qualified jobs, the majority of society can't afford alone the university, we can't have 40 % + of society being Ubers. 🇧🇷

[@fastng]

@@Salahuddin_Official alright, have fun with war against Allah

[@pyroflame5414]

if this was your view from the beginning and if it was 100% going to stay that way then why even click on the video.

[@fastng]

@@pyroflame5414 to see the baseless arguments being made.

[@RIMJANESSOHMALOOG]

Dont take student loans, it's not a darurah. Better give little charity than enrolling in studies on loan. if you enquire about the economics of loan you will come to understand that each loan you take creates more opportunities for the bank to lend more.

[@RIMJANESSOHMALOOG]

@@ahmeda.3198 I just share this to motivate people. When I was 19, I only had a little saving and I gave about 75% to my cousin going to do an operation. After a couple of months, I got a scholarship and alhamdulillah I spent zero money on an Engineering degree, in fact, I got monthly stipend for 4 yrs. Allah said He gives increase in sadaqah and destroys usury (Surah Baqarah). Just work, earn your halal money, give charity, buy what you can afford. I promise you that you will have baraqah.

[@RIMJANESSOHMALOOG]

@@ahmeda.3198 Government loan is the same thing. It's definitely making profit from lending money, so dont get involved in that.

[@RIMJANESSOHMALOOG]

@@ahmeda.3198 if u repay the exact amount that u borrowed, then it’s perfectly fine, no need to ask a fatwa for this. Otherwise ur dealing with riba, just don’t get into that. As far as I know, nobody has died because they couldn’t get a degree. So it’s not a darurah.

[@belgravecollege]

@@ahmeda.3198 there are plenty of opportunities to get grants and scholarships and not pay a dime. The research has to start young. 1st you have to literally make sure your kids get high grades and participate in many activities. So much money gets left on the table because people don’t research the scholarships. Also many of the ritzy private schools give a lot of money for minority students. Most of my kids got scholarships at Ritzy schools and by getting assistance from their community programs. And I’m not saying this to act like I know everything, but I’ve done it with 4 kids. Also community colleges are practically free in some states, which is a good start. States like Florida and Texas have great in state tuition rates. We just have to share resources and opportunities.

[@seldagunerhan77]

is not. people just want more for this dunia. @@RIMJANESSOHMALOOG

[@drsiu77]

A lot of people in the United States, who make good money and could pay back student loans in full, intentionally choose not to pay that back, because the gains from the borrowed money (due to inflation and investment income) is more than the loss of student loan interest. So, it’s the lenders losing out financially.

[@Organic_Body_Transformer]

How can I send a question to Shaykh Yasir Qadhi? What is the email? In the meantime, here's my question: I often get passengers transporting alcohol in my cab; do I refuse service to them or not? I don't allow drinking or open bottles in the cab, but what about people transporting it? Sometimes it's just a bottle in their hand on the way to a restaurant, sometimes it's in their shopping bag with the rest of their shopping and other times it's transporting boxes full of it from bar to bar. The last situation is one I am usually unaware of as obviously I wouldn't check what's in their boxes.

[@hussainsamuaan1306]

No, you don't refuse service to them. You are earning money by doing something halal (driving taxi). You are not liable for what your passengers do or carry.

[@shukriadan3105]

It's doable without student loans in Europe especially in the UK

[@iameenitube]

ASAK All , For " no other option category " here is one simple technical solution Say Institute (Islamic Non Profit Karde Hasna Model or otherwise ) with Student Contracts leading to entire education being funded and student agrees to pay back some mutually agreed percentage example : (20% , 15%, 10% , 5%) etc back to Institute for period of time could be example 5yrs , 10 yrs , 15yrs or 20 yrs etc Student earns more pay more earns less pays less Please share your thoughts.

[@MuhammadKhan-mr7hq]

Very interesting What was the point of making things Haram when these could be made Halal due pressures, needs, difficulties, circumstances etc I was not a practicing Muslim till 2010 when I started learning about Deen including listening to you Dr Asrar Ahmed Dr Farhat Hashmi Zakir Nayak Nauman Ali Khan and lately Ghamdi In 2012 sold our big and beautiful house which was on Riba and since living in a very small rented property stopped business finance from bank that spiralled down the business to point of shutting it down with in 2015 Last car on finance was in 2009 and still driving that car today to avoid Riba 45:21 If I had applied the philosophy of Zaroorah or Haajah I could have continued on living in our Riba house and who knows could have easily paid it off by now and could have saved the business as well be driving a late model car We decided things on the learnings from Quran and Sunnah and now feel cheated that there were Fatawahs that could have saved our house and our business Just to let you know I am a mechanical engineer with an MBA from Melbourne University with 16 years corporate work experience and 19 years in business only 7 years into business when decided to cut down on banks and survived last 12 years in business by Allah not bank Though living in a rented house on land size same as the front yard of the previously so called our house on riba and driving a 13 year old car not on riba and business with not a single dollar from bank but with equity shareholding with my share as little as 20% I show people example of how “If you leave things for Allah then Allah never leaves you” Why is it that we mellow down only the “Haram” ruling from Allah on finances by Fatawah and not on the “Haram” ruling of alcohol, Zina, Gheeba, pork etc May be because money talks Are we trying to tell Allah didn’t know the severe implication of the modern day capitalism that he clearly ruled out Riba It’s just that the tests have become harsher especially in the western where good life is sought more than anything else and finance play a major role in achieving and maintaining a good worldly life

[@user-zt9tw8tq7r]

What should I do I’m 19 in my second year of university I graduate next year Im very regretful of taking out the loan and I want to take 2 years gap and work a job save Up all the money to pay it of then return to my studies however my parents refuse and tell me that it is halal im stuck rn I don’t know what I should do some sheikhs say it’s ok some say it’s not so I don’t know what to believe but in my heart I feel like it is not permissible however my parents will not allow me to pause my education what should I do

[@user-zt9tw8tq7r]

Also I have already done the riba transaction for the first two years should I only pay my final year without riba or would it best to pay every year off including the first two years with riba

[@user-zt9tw8tq7r]

@@idkwhy77 I kept going whilst repenting may allah forgive us all. I had no choice since I’m already in debt and my parents r forcing my hand.

[@user-zt9tw8tq7r]

@@idkwhy77 its been 4 months bro what did you do

[@moustafaalbatran5304]

Assalamu alaikum wr wb, can you please please respond to this question. According to the student loan you take out for university in the UK, when you die the loan would be completely removed. So wouldn't this mean it is not haram because you don't have to pay it off anymore? JazakAllah Khair.

[@mudiyare8927]

That loan you died with is going to make you punishment man be carefull dont die with any unpaid loans in your PAYBACK do whatever you have to do to payback that 30k you got for example and allah always makes easy for his servants

[@pyroflame5414]

@@mudiyare8927 it's not unpaid though, it's literally paid back after you die.

[@mudiyare8927]

@@pyroflame5414 What Are you talking about? If you die with Loan you Are done NOBODY IS GONE PAY THAT FOR YOU do it while you Are alive and get done with it

[@petrifiedmach]

I have a question. For a student in a country like India, where quality education is expensive, and the youth who are degree holders have no job, how is one supposed to pay for the education? I'm a student who couldn't qualify in NEET, so I joined a university where the fee is above 10 lakh INR for the degree I have chosen. Currently, I have paid it through lending money via loans from a normal bank, and the interest rate is about 10 percent per annum. What do I do? My father is ready to pay for the degree, but I don't want him to pay for it when he is struggling to make ends meet. I could hone my skills and start working as a freelancer, that's the only way I see to pay the fee., but I don't know how far will it be feasible.

[@Ikram-vx7pl]

Brother I'm also the facing the same problem. May Allah ease all our hardship

[@jamalsaid5409]

Riba is one of mejor sins, Dont sugar coat your Fatwa.

[@omarhasan3244]

In the United States PSLF public service Loan forgiveness program is a simple way to get your education paid for

[@shehlaahmad6723]

I have a lot of respect for Yasiq Qadhi who is highly learned, but for the first time I disagree with his opinion. I feel he is just trying to appease the Western audience. The Quran does not say that Riba is permissible with conditions or under mitigating circumstances.

[@mxrro817]

Yes you are right brother, there is no further on talking about this allah made it haram that it!!! You aren’t being force to take than it’s fine. Make du’a sincerely and have patience indeed allah make ways out for you that you can’t image.

[@toulimohamed8147]

Assalam anllayikum warahmatullah wabarakatuhuh.

[@Procrastinators]

Authubilllah from the doua of desires. Riba is haram. Higher education is not a necessity, it is purely a means to gain wealth and prosperity. Barely anyone goes to University purely for the Eduction.

[@Moeiekdhdjeueheu]

I dont know what to I am in second year of uni and ive got no choice but to take out a student loan for third year. Ive tried applying for jobs in order to save money to pay it back but my job applications are getting rejected. What do i do at this point?

[@aliqamer6325]

In US most student loans are now forgivable if you work in non profit organization for 10 years. It seems to me that Dr Qadhi is saying that these would not be considered riba loans?

[@ibrahim.1606]

Yep. Having to work instead of paying is a great deal to avoid riba loans.

[@thecuriousapple]

More info please.

[@goodyist]

How about medical school in USA, It costs at least $50,000 /year if not more for four years. Even if someone goes outside the country for study still costs 000's $ / year.. I think we(everyone) has responsibility to create an alternative or at least try sincerely, How about studying hard and try to get a scholarship.

[@baganthekerannaghor8161]

Why the Muslims of the West do something alternative for Muslim students? Like karza Hasana?

[@Siyamsalam]

Where can I buy that EPIC coffee cup?

[@karlm8067]

How can we get loans from institutions without interest? How to pay staff et keep the business running? How to reward risks? Are we looking for forgiveness or free meal? I think we don’t yet understand RIBA. More work and research need to be done 😂

[@southerntools2023]

Assallamu Allaikum. But confused

[@atidakhtar5575]

the hadiths are clear. It's haram haram haram.

[@khalidamakin8162]

What if govt wants you to join Navy

[@salmanulfarish3828]

How we will get halal loan in india 🙁

[@idkwhy77]

Apply to grants man idk if India has them since I'm from US

[@aminpop6674]

I am not agree with Sheikh Allah is AlRazaq he will provide you The Rezq if you were a doctor or Pizza deliver or taxi driver What happened when you get the lone After you got your degree and left the Dunya

[@QasimAli-ro3km]

Expressing grief, the fatwa of Yasir Qazi is student loans halal!!! 🇲🇻 our professor Ibrahim Zakaria Musa's fatwa is that it is permissible to take a loan for business after study! By the grace of Allah, the body language of some elders hindered this teaching!!! Dr. Nasrullah Mustafa, who was involved in this lecture, apologized and requested the public not to share about this teaching‼️ 💔

[@shaheedaessack6142]

This lecture is not making a distinction between a non-interest bearing loan and an interest bearing loan which is confusing us.

[@pacman7959]

Non-interest bearing loan? Such a thing exists?

[@abelievereverrising283]

​@@pacman7959in the UK, currently

[@amaanmohammed1794]

Who recites the aayah in the beginning, can any one tell?

[@ibrahim.1606]

Sajjad Gul

[@amaanmohammed1794]

@@ibrahim.1606 Zazakallah kher but I couldn't find his Qirat of Surah Fussilat 😔

[@shaheedaessack6142]

Bottom line. RIBA is HARAAM!!!!!!!!!

[@afzalshaikh2128]

Traditional ribba is Haram, not every loan in the west is the classical riba. I can bet the masjid your praying at was built with a loan from the bank at some point 😮

[@mxrro817]

@@afzalshaikh2128 riba is just riba not classical or traditional allah has made it haram that’s it!!!

[@afzalshaikh2128]

@@mxrro817 Then you should stop praying at your local mosque as that was probably purchased with riba based down payment or loan

[@dabrownwarrior6104]

​@@afzalshaikh2128 some people just read titles, and decide they have the whole story. 🙄

[@Procrastinators]

@@afzalshaikh2128 its always people from a certain demographic relaxed by riba. Are you gonna say a mortgage isnt classical riba too?

[@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.

[@nasarazam]

What the heck? Where does the buck stop? You can use the "no other option" for almost everything. As usual he goes from brilliant lectures to confusing ones...

[@samia7842]

This is a very confusing video Ya Sheikh. My understanding was Exceptions dont make a rule, ofcourse if somebody has all the conditions explained in video then loan is ok but in general riba based loan is haram. for general public there are many other ways to earn money than getting university level education. also we as muslims should make Riba free loans accessible to our people. Jazak Allah Sheikh for your effort.

[@BesciousOfAllah]

Sheik itaqilaah enter islam completely riba has no condition at all say istaqfirulaah

[@hasanatibn-wendell6768]

“Every bid’ah (innovation) is misguidance and every path of misguidance goes to hell”. I would never take your conditional advice. May Allah protect us from advice like this….

[@maamin3272]

No scholar can legalise Riba. Your choice in the end

[@petboy5839]

What's so dire about getting a degree? Is it life or death? I can't believe these so called sheikhs are actually making the haram halal.

[@mxrro817]

You are right brother, if you have fear of Allah you won’t come near these bi iznilallah ameen. Be aware especially the knowledge you seek!!!

[@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?

[@zakirabduusu6758]

Ignorant comment

[@ahmedyousuf966]

To be fair he said follow what you believe to be right and gave other opinion that could be the ones we might disagree with, so it would be difficult for you to say black and white if body of scholars from Europe and America have different understanding 🤔. Would they unite in falsehood or not to be able to see black and white?

[@knowyourlord2548]

Assalamualaikum, yes atTabaraani in al- Awsat and it is saheeh. There enough in the Quran to keep one at bay. In surah al Baqarah ayat 275 Allah says "Those who devour usury will not stand except as stand one whom the evil one has driven to madness by his touch..." that's just one reference. Many time it's not that we do not know it's wrong but our ego, this want to be seen and recognized lead us astray. The Prophet (SAS) "a time will come when people will consume usury, and whoever does not consume it will be affected by its dust" Musnad Ahmad. Riba is one of the worst types of slavery, and that is why people commit suicide because of it May Allah guide us to His obedience. Ameen

[@mxrro817]

@@knowyourlord2548 ameen

[@QasimAli-ro3km]

Fatva can buy now is not a big thing, now brother Yasir you're working for 🏦 !!!?

[@markblade6792]

Never choose the life of this world over seeing the face of Allah. There are 22 varieties of Riba and the least of them is equal to sleeping with your mother. There is no excuse in committing this sin and It is the last command and warning of Allah to mankind. It will only bring you fitna Who ever wants to Allow this must be ready to HAVE the curse of the prophet Muhammad saw upon you.

[@ahmedyousuf966]

Have you checked the authenticity of the hadith? if not please do before we refer to it as a proof.

[@shifeq9770]

@@ahmedyousuf966 even if that hadith is daeef, riba is one of major sin.

[@mohammedjaveed4108]

You guys disregard every zaeef hadees.But if you it suits your narrative quote that specifi hadees hypocrisy.

[@aliwaqar6004]

Wa alaykumassalam wa rahmatullahi wa barakatuh

[@mohammedayyaz9056]

Some individuals when it comes to getting married are happy to " splash the cash" but when it comes to interest based mortgages or education some are happy to take this option. Ps some Muslims will have land back home which they can sell to pay their education

[@faiazmalekzadeh5101]

The least level of interest Is of a man commiting Zina with his own mom. Sahih Hadith.

[@aliwaqar6004]

Wa alaykumassalam wa rahmatullahi wa barakatuh

[@ebadrahman1290]

Thank you