If a student has a study-loan debt can he travel for Hajj and if he performed it would his fard of Hajj be delivered? He would not be using any of the loan money in performing the Hajj and secondly the timing of the repayment of the study-loan is conditional on earning a specific earnings threshold upon which it then becomes necessary to repay it.
Questioner: Hamza Ahmad from UK
بسم اللہ الرحمن الرحیم
الجواب بعون الملک الوھاب اللھم ھدایۃ الحق والصواب
If such a student performs Hajj, his Hajj will be fulfilled. Him owing debt is not something which prevents the validity of his Hajj. Rather if a person took a loan of good will (Qard Hasanah) to perform Hajj his obligation would still be fulfilled.
Just as my master A’lā Hazrat Imām Ahmad Ridā Khān, may Allāh shower him with mercy, mentions in one answer in al-Fatāwā al-Ridawiyyah that the Hajj performed with harām wealth is rejected so what avenue is there except that a person sets out on Hajj through the acquisition of halāl wealth by some means and fulfil his obligation. A loan is also a halāl means and indeed the fard has been delivered through it. It is mentioned in a Hadīth that a loan taken for Hajj, Jihād or marriage is consigned to the Grace and Mercy of Allāh.
[Extracted from al-Fatāwā al-Ridawiyyah, vol. 10, pg. 710]
When taking a loan and going for Hajj is not a problem, then the performance of Hajj by a debtor who possesses his own halāl wealth and has permission from the creditor is permissible by greater reasoning.
واللہ تعالی اعلم ورسولہ اعلم صلی اللہ علیہ وآلہ وسلم
کتبہ محمد قاسم ضیاء القادری
Answered by Mufti Qasim Zia al-Qadri
Translated by Mawlana Ibrar Shafi
Read the original Urdu answer here – [Q-ID0193] Can I go for Hajj if I have an outstanding loan to pay?