I thought the brother was referring to taking out student loans and the interest associated with them? ~ Student loans do only charge inflation only but this is not the case with the £9000. They are now adding on commercial interest so what you wrote doesn't apply. It does however affect me with the old system. I had looked into this earlier and many scholars said even inflation interest is still haraam so even then I was wary and decided to follow the route of a low paid job to avoid even the inflation interest. In hindsight, I wish I had gone for an apprenticeship. I think it would have been a lot less hassle and it would have kept me away completely from such doubtful matters.