What is the solution for young people who find no means to marry and form a family except through bank loans, which they consider forbidden, knowing their urgent need for marriage and their inability to provide independent housing?

Borrowing money from usurious banks is Islamically forbidden, whether for sustenance or trade, but it is permissible in cases of necessity. Longing for marriage is not considered a necessity, but if you have exhausted all means of delaying it, and you genuinely fear falling into immorality, or this fear is highly probable, then it is permissible for you to take a portion of the money sufficient only for the marriage and its necessities, without exceeding that. You must adopt means that help in delaying marriage, such as lowering the gaze, fasting, and avoiding places of temptation.