Is it permissible to take a loan from the government’s social fund?
Question

                The government in our country offers a loan to young people who graduate instead of employing them in government service. Is this loan halaal or haraam?.
Praise be to Allah.The scholars 
    are unanimously agreed that if it is stipulated that a loan be repaid with 
    an additional amount, this is riba, which is haraam. 
Every loan 
    in which it is stipulated that something extra be paid back is haraam, and 
    there is no difference of scholarly opinion on this point. Ibn al-Mundhir 
    said: They are unanimously agreed that if the lender stipulates that the 
    borrower should pay something extra or give him a gift, and he gives the 
    loan on that basis, then taking the extra amount in return for that is 
    haraam. 
It was 
    narrated that Ubayy ibn Ka’b, Ibn ‘Abbaas and Ibn Mas’ood forbade loans that 
    brought benefits. End quote. Al-Mughni (4/211) 
Ibn ‘Abd 
    al-Barr said: Every additional amount given in return for a loan or favour 
    that benefits the lender is riba, even if it is just a handful of animal 
    feed. That is haraam if it is stipulated. End quote. 
Al-Kaafi 
    (2/359). 
Based on 
    this, if the loan is riba-based, whereby it is stipulated that the amount 
    borrowed be repaid with interest, then it is not permissible for you to take 
    this loan, because the contract is based on riba, and it is clear to you 
    that riba is a major sin. May Allaah make you independent of means so that 
    you have no need of this loan and similar schemes. 
But if this 
    loan is a “goodly loan” and does not involve riba, and the borrower is 
    required to repay only what he took, and no more, then there is nothing 
    wrong with taking out this loan and benefiting from it. 
And Allaah 
    knows best.