To be fair, and my tongue is firmly in my cheek here, if she never has to pay her loan back she'll never pay interest. Is the policy against owing interest or just paying it? When did OP say they were super into their faith? Plenty of Muslims are more/less relaxed about their faith and culture than people assume, just like other religions. As an atheist I assumed all Christians were super devout and rigid but was surprised, as an adult, to find they're just normal people! Some smoke, some drink, some swear, some cheat on their partners.