Taking an interest free loan from the government

Q: The government I live in help the citizens with a payment of the house or flat when you are moving and give you a support/loan. The loan is interest free the first 5 years so you don’t have to pay the interest and their intention is to help out the citizens because it’s in the law. You can make a plan with them that they take every month from my student allowance until the loan is paid and it will be interest free. Can I take this loan or is it haram?

Making dua for one's non Muslim parents who passed away on kufr

Q: A revert lady asks... If there's no forgiveness for a non Muslim who has passed away, what duaa can she make for her non Muslim parents who passed on. It causes much grief not to make duaa for them. 

Another revert student asks... How will we enjoy the beautiful bounties of jannah if our parents are not there to enjoy it with us and at the same time we know that they are in jahannam?

Delaying hajj due to a concern that one's income may not be completely halaal

Q: Is it permissible for a person who is accredited for Hajj, and has both the means and opportunity to fulfill their Fardh Hajj, to delay it as he is concerned that their income may not be completely halaal? The individual intends to fulfill the obligation but wishes to ensure that they use only pure, halaal money for this sacred journey.

Doubts regarding ghusl

Q: I have issues with my ghusl concerning the validity of it due to specific barriers. 

I scrub my ears yet there is still some sort of wax at the part that curves. I sometimes scrub so hard it scabs. 

I also have some white patches in the middle of my chest. I’m not sure what it is but I also need to scrub hard for it to be removed. 

I have an ear piercing hole, how do I clean inside of it, if it’s closed but sometimes some sort of sebum comes out when I rub my piercing hole which is pretty much shut. I have some hard dirt on/in my bellybutton. It is extremely hard to remove as it’s engraved in the grooves of my skin.

Lastly I have an eye issue called blepharitis where dandruff like flakes are on my eyelash and eyelid. Sometimes I finish my ghusl and see these flakes/crust on my eyelid and lash. Are the things mentioned barriers for my ghusl?