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Ontario student assistance program

Fatwaa ID: 1215

Assalamualaikum Mufti,

Just bumping up this question again.

I have a question regarding a financial matter that has been on my mind. In Canada, when students take out a student loan, such as the Ontario Student Assistance Program (OSAP), the loans are forgiven after a period of 10 years. My question pertains to the situation where, after completing my studies, I decide to have children or take a break to spend more time with my children for a period of 5-10 years, during which time my debt would be paid off. I would like to know if it is considered a sin to plan my life in this manner.

In the Name of Allaah, the Most Gracious, the Most Merciful.
As-salaamu ‘alaykum wa-rahmatullaahi wa-barakaatuh.

Firstly, it is not permissible for a Muslim to enter into a contract or agreement that contains impermissible elements. In the enquired situation, the loan is interest-bearing. One will be willingly agreeing to interest clauses.

Secondly, over the ten year period, the student will be voluntarily incurring interest on his name. Whether this interest is paid or not at the end, this too is impermissible.

Thirdly, this is unethical and a form of oppression. Rasulullaah ﷺ advised us that unnecessarily delaying in repayment while having the ability is zulm. This will be extended to those who have potential ability as well.

We advise you to explore other avenues to pay for your education. An education earned through haraam will be void of barakah. Should you require further assistance, we suggest you refer to your local scholars.

And Allaah Ta’aala knows best.
Mufti Muajul I. Chowdhury
Darul Iftaa New York

وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين

Local Darul Iftaas you may consider:

Darul Iftaa Canada

The Canadian Centre for Islamic Research and Iftaa


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