Tuesday, May 10, 2016

Student loans!

Avoid the trap of Student loans!
Avoid falling for those who say it is OK to take student loans!
Avoid the war which you will never win!

Having a college degree has become an essential part of our present day world. But does it guarantee our Rizq (sustenance)? No! College degree can be a means for a better living - by the Will of Allaah - but one should not forget that our sustenance was already decreed for us even before we were born.

The reality is that a college degree does not promise good jobs, or better standard of living, or increase in sustenance. Many people with college degree are jobless or are working in a field different from what they had studied, while some without college degree are well-off.

So what guarantees Rizq and a better living are: Imaan, Taqwa, Tawakkul, Tawbah and Istighfaar, `Ibaadah of Allaah alone, Du`aa etc.

With a college degree a person may or may not have a good life, but by taking student loans (which are based on interest), he is:
1) Waging war against Allaah;
2) Sinning against his Creator;
3) It is a false reliance on your ability instead of the Creator;
4) The world, as vast as it may seem, will become confining to him;
5) He may end up paying twice or more than the loan he had signed for;
6) He may spend his life repaying this debt;
7) But the worst is his jeopardizing his Hereafter for a little gain in this world.

If a person believes that his sustenance is because of the knowledge he possesses, then he has behaved like Qaaroon who believed that all the wealth that he had was because of his knowledge:

{He (Qaaroon) said: "This has been given to me only because of the knowledge I possess."} [Surah al-Qasas (28): 78]

So while everyone should achieve to have a college degree, but it should not make us believe that without it we will not survive. One can take loan from family and friends or go to countries where education is affordable. But applying for a student loan for paying tuition fees is not an option for a believer.

Our happiness and success in this world is through our obedience to Allaah. Disobedience and sins will only increase us in hardship:

{"But whosoever turns away from My Reminder (i.e. neither believes in this Qur'aan nor acts on its orders, etc.) verily, for him is a LIFE OF HARDSHIP, and We shall raise him up blind on the Day of Resurrection."} [Surah TaHa (20): 124]

And don't compare our lives with the lives of the Kuffaar. For them this earth is a paradise while for the believer this is a prison. For them is this world, but the Hereafter is only for the Believers.

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