Repenting from being involved in riba

Q: I'm a 22 year old graduate student studying for my Master's in Physiology. I live in Cleveland, Ohio, USA and I was wondering if someone would be able to answer my question. I'm currently $124,000 in debt due to government loans, which charge interest. I was under the impression that under situations of necessity, the haram becomes halal, however I recently found out that the definition of "necessity" means life or death. I took out the loans so that I could complete my bachelor's and master's degrees. I'm planning on going to medical school in Fall 2014 and I will be required to take out even more loans (with interest). I found out that there's a military service program (HPSP - health professions scholarship program) for medical students in which the military will pay all tuition and fees, along with a monthly stipend, but will require 4 years of military service as payback. This will mean I will have to live without my family for months at a time. I'm planning on doing this program so that I do not have to take out further riba-based loans, and so that I can begin to pay off my current loan with my monthly stipend. However, there are other non-military programmes out there as well, but they will only forgive my loan after 10 years, which means I will be paying interest for at least 10 years. Also, there are some residency programmes that offer signing bonuses and partial loan forgiveness that might reduce the time required to pay off my debt to 3-5 years. Dropping out of medical school doesn't seem like a good option since I will end up paying the interest on my loan anyway. Any career besides medicine will most likely pay less, and thus take longer to pay off my loan (resulting in more interest). In the meantime, is there anything else I should do? I don't come from a wealthy family, and there are hardly any interest-free student loans offered for regular middle-class families. I guess, I can only keep asking for Allah's forgiveness and pray for a way out of this debt.

I'm sure there are many other Muslim students in America in my situation. I appreciate any answer. 

Kaffarah for breaking one's oath

Q: I made a stupid vow over the phone while talking to my husband. After relations he always says things that show his regret that we had relations. It hurts my feelings immensely. Last time he expressed the regret I lost my temper and said (exact words in are in urdu) I said "theek hai ab aap mujhe haath nahi lagana, main qasam kha rahi hoon, agar haath lagaya to main ghar se chali jaoon gi" for the word " haath nahi lagana" I meant sexually. And also when I said ghar se chali jaoon gi, I meant temporarily. This was a threat. I did not mean anything. Despite our problems, we love each other a lot. I belong to the hanfi school of thought. Is fasting for ten days or feeding 10 masakeen for a whole day enough kafara. What does my foolish words entail?

Hadith Question

Q: Narrated by 'Abdullah bin Mas'ood (Radiyallahu Anhu) on the authority of the Prophet (Sallallahu Alayhi Wasallam) (On the Day of Judgement) a man will come holding the hand of another man and say: O Lord! It is he who killed me. Allah will say: Why did you kill him? He will say: I killed him so that glory may be established for you. Allah will say: Indeed it. Then another will come taking hold of another fellow's hand and say: It is he who killed me. Allah will ask him: Why did you kill him? He will say: I killed him so that glory may be established for so-and-so person. Allah will say: Indeed glory is not his. (So the killer will bear the sin). 

Please explain!

Covering the head in the state of Ihraam

Q: My question is regarding dam (penalty) at hajj. On a few occasions during ihram I covered my head with a towel but took it off after I realize that this is against the rules of ihram but it was unintentionally. I asked a maulana about this and he said its ok. Also, during sleep I had my head covered with a towel for I don't know how long and when I woke up, I realized that it was on and took it off right away. Once again, this was unintentional, so I asked the maulana again and he said its ok but just give dam just in case.

Being pleased with the decree of Allah Ta'ala

Q: I am in a huge problem. Everything seems impossible. I don't know what to do. I have asked Allah to help me but know I feel that everything is over. I have applied for higher studies. But I didn't get selected. I don't have enough marks. I have been studying very hard for 13 years in school but on the end of the year everything went wrong. My marks was very bad I went from an  A to C and E. And for my higher study I was on a waiting list (I know I have been on that list for 4-5 month) yesterday I sent them an e-Mail and They replied that they will not take more students and in December is the final exam in nutrition. I just need to get selected at get in to nutrition before December. Then everything will be fine but what do I do. It seems impossible. I have faith in Allah that he will not let that happen to me. Please in the name of Allah help me. I need an urgent wazifa to make this possible.