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Loans and giving in charity (2)

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I know that a person does not enter janat unless all their loans are paid off, I called my student loan people and they told me that if I die before I can pay back the full loan amount then they take it from my estate and/or the government pays it off or it just gets written off. Does this mean that I will not be liable for the loan in the hereafter since it gets written off or do my parents have to pay it back?

Answer:
In the Name of Allah, Most Gracious, Most Merciful

salamu `alaykum

I pray you are well and in the best of health.

The basis is that one should ensure that his loan is paid off during his lifetime since one of the conditions for taking out a loan is the firm resolve and abitlity to pay it back. One should stipulate its repayment in his will, clearly, in case repayment in one’s lifetime may not occur. Stipulating things clearly and beforehand is crucial to avoiding future problems. If your inheritance suffices to pay it off then your inheritors do not have to help. Note here that ones inheritors or family members are not legally required to pay off one’s loans although it would be praiseworthy for them to do so if they are able.

As for being liable in the hereafter then this also depends on one having the actual intention to pay back what one owes others and taking the means to do so – which first involves actually trying to do so actively during one’s lifetime and with that making sure that, if required, such rights are fulfilled after one’s death.

[4] If you are sure or certain that such people use the money they gain through begging directly for impermissible purposes then it give your money to others.

Wasalam
Salman
Approved by Faraz Rabbani

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