Loans & Debts

Q: I thought that if you commit shirk, you will not enter Jannah but I also read a hadith that if you have a debt then you will not enter jannah, what happens on day of judgement to someone who never paid his debt?

Q: I am from India. Me, my husband and kids stay with my in-laws in their house. Can we take a loan for buying our own house.

Q: Can a Muslim take out a usuruous loan to support their family if they are living in conditions that are dangerous such as, if their home is being burglarized and living in a dangerous neighborhood filled with gangs and drugs? Is this a condition of zaroorah (necessity) or haajah (need)? Can one commit a major sin, dealing with Riba (Usury/Interest), in order to get his family away from these conditions. Please advise. 

Q: I'm confused about what is meant when "food bought from riba is haraam". I currently have some money from a loan I took out that has interest on it (I was under a lot of pressure from my family and got yelled at for trying to avoid the loan). I was wondering, does all the food bought from this money automatically become haraam to consume because the loan is haraam? If so, I plan on just leaving the unnecessary leftover money in the bank until I have halal earnings. Because if I empty out my bank account trying to return this money, lol can't even imagine what my family would do to me. But yeah, I feel guilty about this loan but I was practically forced into this when I started getting ridiculed for trying to stay halal. So my other question is, wouldn't the sin fall on the person who pressured me into paying riba rather than me?

Q: If you are in debt, does it affect your taubah or forgiveness? I mean can a debt stop you getting your sins forgiven? would Allah forgive your sins if your in debt?

Q: Can your debt cancel out your good deeds?

Q: One of the banks in my residence country is offering a short term interest free loan. I am only interested in using this loan because it is interest free. It has a fixed processing fees (1 % of the amount of loan) and a onetime fixed insurance fees to be paid. Can you please advise, if it is alright to utilize this loan.

Q: While I was studying at university (in the UK) I regrettably took out a student loan due to my lack of deen at the time, now I have come to realise that this was totally impermissible and wish to make amends.

According to the terms of the loan, I do not need to repay the loan if I earn below £17,775 per annum. The loan will be written off if I do not earn above this threshold after 25 years. I can repay the loan (plus interest) and make taubah but I feel very uncomfortable with this. My other option, which I am fully prepared to undergo, is that I continue to earn below the threshold for the next 25 years. I want to know:

1. Whether it is permissible to deliberately earn less in order to avoid paying any interest?

2. Whether I should repay the loan (through voluntary payments) but not the interest?

3. Whether I should simply repay every thing and just make taubah thereafter?

Q: I have seen an advert which offers paying a fixed amount per month for a vehicle valid on the Guaranteed Future Value Scheme. Is this permissable? If so, is it advisable?

Q: The prize bond business and saving is halal or haram?