Assalamu Alaykom Wa Rahmatu Allah All
The following series will cover the ruling of borrowing with & without interest
for students in the USA. It presents an untraditional definition of (Necessity)
supported by some previous and contemporary scholars.
Student loans in America are divided into two main categories
1- Loans subsidized by the federal government which pays their interests.
The student takes these loans according to his financial need and inability to
meet the university liabilities. He shall be exempted from repaying the debt as
long as he is in the school and keeping the minimum credit hours. He is given a
6-month respite during which he is required to pay the whole sum. When the
student fails, the loan becomes Riba-based starting from the time of giving it
out, and the students incur the interests and costs accumulated.
2- Loans unsubsidized by the government. These loans are given to the
students who want them regardless their financial need and low income. A
student is required to repay the debt and its interests in full although he is
exempted from repayment before graduation.
Dr.Main Al-Qudah
Assistant Professor of Islamic Studies
Imam, MAS Katy Center
Member, AMJA Fatwa Committee
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الأدب وخاصة منها التي تأتي من أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على
التفاعل الإيجابي... ترك المديح الشخصي...إن كل المقالات والآراء المنشورة تُعبر
عن رأي أصحابها، ولا تعبّر عن رأي إدارة المجموعة بالضرورة.
