Is it permissible to take a loan from the government without interest, with the intention of paying it back before interest becomes due on it?

It is not permissible to sign a loan contract that includes an usurious condition, as it involves committing to usury and the possibility of falling into it upon delayed payment. The International Islamic Fiqh Academy has clarified the impermissibility of issuing an uncovered credit card if it is conditioned on an increase in usurious interest. Sheikh Ibn Uthaymeen holds the view that this transaction is prohibited due to its commitment to usury if payment is not made on time. However, it may be permissible in cases of certain necessity, with a strong presumption of timely payment and avoidance of usurious interest. It is advised to seek other means to cover study expenses away from usury.