My university bursary is contingent on my taking out a tuition and maintenance loan. I am paying the tuition fee by myself next year inshaAllah and so do not want to receive a loan. I requested a £0 loan and £0 pound maintenance so I could still get the bursary.
There was some unrelated issue one time and I remember calling up the finance people in uni, the above point came up in conversation and the lady said that that’s not really allowed, and that the bursary was supposed to be additional support ontop of the loans provide.
Would my bypassing the system by requesting the £0 loans be considered in bad faith or an illegal loophole from the Shari’a perspective, bypassing some sort of agreed contract?
As a secondary question, is it even permissible for me to request a £0 loan? Am I seen to be agreeing into a haram contract regardless of what I request, similar to a credit card case?