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Khums and student loan

Q:

Sa,
In light of the new Khums rulings from Ayatollah Sistani, will Khums be due on an individual with an outstanding student loan as per the terms and conditions of the Student Loans arrangement in England (http://media.slc.co.uk/sfe/1819/sfe_terms_and_conditions_guide_1819_o.pdf)
Thanks

A:

Walaykum As Salam

If you are in debt and your overall funds are less than that of the debt (i.e. you can not pay back your loan if you were asked to), you would have no khums payable.

At the point where you can do that, then you would be accountable to pay khums.
Regards,

Syed Samer Hakim