Is it permissible to agree upon canceling the debt owed by the client to the employer or company in exchange for the client receiving a lower wage for a specified period?

An employee borrowing from their employer with repayment from their salary takes two forms:

The first: Permissible; if the salary reduction is equal to or less than the debt amount and then returns to its original state. This is akin to granting permission to repay the debt in installments from the salary.

The second: Forbidden; if the reduction exceeds the debt amount, because it falls under the category of a loan that draws a benefit, and the Prophet, peace and blessings be upon him, and the Companions prohibited accepting any increase or gift from the borrower before repaying the debt, as it is usury (riba). It is also impermissible for the duration of the reduction to be unknown or permanent, due to the presence of gharar (excessive uncertainty) and maysir (gambling) in that.